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Are you interested in proven ways to get low rates for coverage that won’t put you in trouble later? If so, the following suggestions will go a long way in helping you achieve just that…

1. For those who are above 55 years of age, you will be eligible for a discount after a drivers’ refresher course. You can cut down your monthly premium by up to 10 percent if you pass this course. Discuss with your insurance agent about your provider’s stand on this and the best way to go about it.

2. Retirees are offered a special discount by several insurers. You will hardly drive as frequently as you used to do if you retire. Driving less will result in reduced mileage which definitely makes you a better risk.

Note that you qualify for this discount if you are retired. Do find out eligibility requirements from your insurance agent. And, if your he/she tells you they don’t offer this very discount, do your utmost to show the dramatic difference in your mileage. You should get a lower rate if the drop in mileage is big.

3. There are a number of anti-theft mechanisms such as alarm systems, automatic gas cut-off system and stuff like that. They usually attract a discount for the obvious reason that they make it less likely that you vehicle will be stolen. Car thieves will think twice before attempting to steal a vehicle with theft-deterrent mechanisms.

4. You will bring down your auto insurance rate if you have an outstanding credit rating. A bad credit record will attract higher auto insurance rates. There are many reasons for this but this one is prominent among them: If you have a bad credit rating then it could only mean you have missed payments at some points. It is normal for insurance carriers to expect that a person who defaults in credit card payments will also easily miss payments of auto insurance premiums. Once you’re seen as a higher risk you’ll invite higher auto insurance rates.

5. You can save much money in auto insurance if you obtain and compare auto insurance quotes from insurance quotes sites. You will realize savings if you visit just one quotes site. But, you will get better results by using at least five.

The simple reason for this is that you’ll obtain many more auto insurance quotes from a wider range of insurance companies. This raises your chances of receiving better rates.