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Then there is this marvelous tip that works like magic. Ever thought of buying both your homeowners and auto coverage from the same insurer? Most insurers will give you a good discount when you purchase more than one type of insurance. The same principal works when you get more than one car insured by the same people.

One of the main things which is most likely to affect the cost of your monthly insurance premium or rate when you are buying auto insurance is the way that you drive. If you have made a lot of auto insurance claims in the past then the costs are going to be higher. Learning to drive more carefully is not only good and safe for you; it also has the potential to drastically reduce your auto insurance rates if you can show a pattern of safe driving. This means no vehicle accidents and very few if any speeding tickets from your favorite law enforcement officers.

Always make it a point to look for higher deductibles. Deductibles are the amount paid before implementation of the policy. High deductibles greatly lower the costs. However, opt for higher deductibles only when you have enough money kept aside to pay it if you have a claim.

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Cut the miles you drive - For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car's mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.

One rule of thumb is to carry the highest deductible you can afford. By increasing your deductible from $100 to $1,000, you could save up to 25%. Keep in mind, though, that your lender might not agree to a higher deductible.

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Many violations include failure to yield right-of-way, improper turning or incorrect lane changes, so keep current on the traffic laws relating to new traffic designs.

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