Finding a way to get low car insurance rates can be challenging to any driver. Insurance companies rate drivers a little different which is way it’s important to shop around. The more you shop around, the better your chances are at finding the lowest rate for your auto insurance. While shopping around is one of the best ways to save, here are a few other tips to keep in mind for saving more on auto insurance.

There is a big advantage to having prior coverage when shopping for insurance. Having a prior policy that hasn’t lapsed will show the insurance company your responsibility to making payments on time. The amount of coverage you have with your prior company will also help the insurance companies determine responsibility of a driver. By having more coverage than required by the state, you may be rated as a ‘Preferred Customer’.

Are you driving an older vehicle? You may find you only need liability coverage. There is no reason to buy comprehensive and collision coverage for a car worth very little or less than the deductible. Deductible amounts vary from anywhere between $100 and $1,000. This is the amount you would need to pay in the event of a loss prior to any claim being filed. Generally you will see a lower car insurance rate if you select a higher deductible.

When buying a car, if insurance rates are a concern make sure that particular vehicle’s rates are not too expensive. Rates will depend on the make and model of the vehicle you insure. Typically larger sports utility vehicles and sports cars will carry higher insurance rates than standard sedan models. Safety and security features within the vehicle will also have an impact on the insurance rate.

Have you considered installing a vehicle alarm system? Drivers can greatly reduce the risk of auto vandalism or even car theft by having one installed. If you were a car thief would you continue your efforts with a car sounding off to alert others of your actions? Sometimes an experienced car thief will know how to quickly disarm these devices prior to making the break-in attempt. If you drive a high-end or more expensive vehicle that may attract this type of attention, consider installing a theft tracking device. As you lower the risk of loss, you’ll find your insurance rate will also be reduced.

Have you considered combining your car insurance with a renters or homeowners policy. When you get both insurance policies with the same company you’ll find you could save up to 15% on your auto insurance coverage. For drivers who currently pay thousands a year on auto insurance, this single discount can make a big difference.

Low-insurance.org offers tools, tips and comparison quotes to help you save more on auto insurance. Check out our multi-line insurance discount tool.