This article helps you with qualifying for lower auto insurance rates and quotes. Being considered a low risk driver is a very valuable label in our society. With everyone tightening their belts and being concerned with the cost conscious, having a clean driving record is just another way to save. How can one ensure they are considered a low risk driver? The thing to keep in mind is that insurance companies have evaluated and analyzed absolutely every factor you could think of, and are currently analyzing further things you wouldn’t even consider to be able to keep their risk low. Remember, they are trying to make money as well as have enough money to cover claims people make on a daily basis.

Defensive driving courses can get you a discount on and also assist with lower auto insurance rates, but only if it a state-approved course. According to major auto insurance providers such as all state and state farm, this is sure-fire way to reduce rates even if you are already a low risk driver.

To save even more money on your insurance if you are considered low risk, and what you drive is not a concern to you, consider downgrading your vehicle. An older model of a sedan instead of a sports car can save big bucks. If the risk that the car will be stolen is lower, this will certainly factor in. But, do not skimp on airbags and automatic seat belts, or even an alarm system. All of these will factor in to make the insurance even more low cost.

Little known fact: insurance companies over the years have analyzed absolutely everything. They know that certain occupations, such as teachers, get in less accidents overall than say, a student. We all know that you aren’t going to change careers just to get a lower rate, but it’s a tidbit worth knowing.

Some organizations out there, like AAA or your professional organization, can save you money on auto insurance. While you’re shopping around, check to see if your provider offers discounts for membership. Also, point’s clubs sometimes offer incentives for purchasing insurance from a provider through them. Sounds complicated, but it is not. For example, MyPoints among others will offer points toward gift cards if consumers go through their website.

If you are really looking to save money, personalize your policy as a low risk driver. If you are already driving an older car that is not worth a lot, drop collision insurance and increase your deductible. If there is a chance the vehicle may be totaled in a minor traffic accident, consider this when choosing your features in a policy.

This may sound crazy, but keep your car in a garage! Keeping it out of the weather will protect it from the elements such as a hailstorm, vandals, theft, and accidents (like the neighbor’s lawnmower throwing rocks or the random paintball gun incident.)

Using these tips will at least help you get started on the path to being a low risk driver. We wish you luck and hope this tips help you save a bit of money on your auto insurance quotes and rates.

Author Bio: The author writes about Cheap Auto Insurance programs and at his website found at http://www.autoinsurancecheap.org you can find more helpful tips on how to reduce your premiums on your car insurance.

Category: Finances
Keywords: auto insurance, car insurance, insurance, insurance rates, discounted, cheap