Do Not Invite Theft
Obviously you have limited control over a criminal damaging or stealing your vehicle, but you can do as much as possible to deter a theft. Start by choosing a car model that is low on the theft-risk list. If you need to know your options, contact your car insurance company and ask which cars have the lowest rates. You can also use our free quote tool to find low rates for different models of cars. Make sure you consider features on your car that invite theft, too. For instance, cars with convertible tops have a higher theft risk, so opt for a traditional hard-top vehicle.
Keep Your Driving Record Clean
The best way to keep auto insurance quotes low is to drive safely. The less attention you attract with your drive the better. In addition to driving safely and avoiding collisions, obey traffic laws. If you are caught speeding or pulled over for running red lights, your insurance company will consider you a higher risk driver and raise your rates. The better you drive the less you will pay for car insurance.
Keep Your Mileage Low
People who drive less pay lower auto insurance rates. The closer you live to your place of employment and the less time you spend behind the wheel, the lower your auto insurance rates will be. You likely do not have a lot of control over how far you live from work, unless you are considering a new job or relocation. However, you can control the overall amount you drive. When requesting auto insurance quotes, input various mileage totals and see how it affects your rate. Once you find an affordable rate within a certain mileage total, work to stay within that total.
Keep Your Car in a Safe Neighborhood
The safer your car is the lower your insurance rates will be. If you live in a safe area that has a low risk of auto theft you will pay less than those who live in dangerous areas. If you are unable to move to a safer area, consider keeping your car in a secure location. If you have a garage make sure you are using it. If you live in an urban area and you typically park on the street consider paying for parking in a garage. This might cost less than insuring a car that is parked on a city street.
There are plenty of ways to keep your auto insurance quote low. If you are looking for inexpensive auto insurance, use our free quote tool to find rates for your vehicle.