How much do you pay to insure your car? I imagine it is above $1500. If not, you are to be congratulated on making sensible choices to reduce your auto insurance premium. For the rest of you, it may be time for a change.

Due to statistical data around these days about gender differences in driving habits, auto insurers are willing to offer women cheaper auto insurance coverage as it is evident that they are less of a risk to insure. Yipee! But make sure this is happening for you. You may have slipped between the cracks, so stand up and demand your rights.

Mature drivers are also in the lower risk category. So if you are a mature woman driver with a good driving record, ask for a better deal.

There are some things you can do to help yourself, too. One of these is to take a mature driver course. Having passed a mature driver course you could find that your premium drops from 2% to 15%. Find out what your auto insurer is willing to offer you for taking such a course and if it is not a satisfactory decrease, look elsewhere.

There is no point in sticking with the same auto insurer out of habit, if you can do better by making a shift. But this is exactly what a lot of mature women do. We think that the company we have always dealt with will offer us loyalty and give us the best deal. But this is just not necessarily true. By changing auto insurers every two or three years and doing your homework before you change, you can get better deals.

Now what do I mean by doing your homework? Make calls and ask the right questions. The best place to start with these questions is your current insurer. Find out what discounts you currently get and if there are any that you quality for that have not been offered. These can be to do with your age, driving record, type of car and yearly mileage.

Make sure you have relevant information about your car available so that this is easily achieved. If asked about my car, I can tell anyone that it is a white Toyota, but more significant details elude me.

Make up a list of questions and jot down the answers so that you can have a ready comparison with other companies. Get estimates or quotes from other companies.

Search the internet. If you are not internet savvy, get those lovely children or grandchildren to check out the deals on the net. They can do it quickly and report back. You will feel like a company executive and they will be happy to have something useful to do for you.

If you have no children, I am sure you know some young people who will help out. Ask around.

It is good to find that there are some advantages to getting older. Discounts at museums and art shows are all very well, but the real money savers are those available on the expensive necessities in our lives, such as auto insurance.

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