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Looking for ways to lower car insurance premiums? car insurance rates can spiral depending on the factors are age, past driving record, and other factors, such as credit history. However, the trick is to find ways to reduce the annual pay-off. We pulled over you 5 quickest ways to lower car insurance premiums.

Tip 1: Raise your deductible

Stop trying to get the message at the lowest deductible ', instead of going for a comfortable payment plan pocket. "Excess" is the amount you pay before insurance kicks in. It's an easy way to reduce your periodic premium, however, be notified if so, if something happens to your vehicle - you need to bomb more to cover initial expenses, prior to entering a claim.

Tip 2: Park your car in a garage

One of the easiest ways to reduce your premium is to park your car in a garage facilities, personal or commercial. This helps in knocking off, in some cases by almost 20% of the premium. In the garage, the chances of getting stolen or sideswiped a car are much lower. A perspective of the transaction, garage could mean the difference between preferred and an interest rate.

Tip 3: Compare and negotiate

Nothing beats the traditional "shop around to negotiate." Make sure you have at least 3:57 quote with you before determining the service provider. Make sure you are not shopping for price alone, but any the case.

Tip 4: Take a defensive driving course

Not many people know this. Volunteer for the state approved defensive driving course, you can use on premium discounts up to 10%. Do not cross-check with your insurer on this.

Tip 5: Coverage of downsizing

Well, the reduction in coverage is perhaps the best way to lower your auto insurance premium. However, we suggest you be careful and cautious when making this decision. This can save money, but also limit coverage.