Are you unhappy with your existing auto insurance premiums? If so, there are a number of things you can do to make yourself eligible for discount car insurance.
Most insurers will provide large premium reductions to policyholders who complete an approved driver education or defensive driving course successfully. Before you enroll in a course, contact your carrier to verify that such an auto insurance discount exists. If so, ask for a list of approved classes and contact information for the organizations that provide them. Remember that you don't necessarily have to attend a physical classroom to complete a driving safety course; you might be able to take it over the Internet as well.
Discount car insurance can be nearly impossible to find if you have significant credit challenges. Providers don't necessarily offer auto insurance discounts to people with good credit ratings, but they do penalize those with poor credit scores with higher rates. Making even slight improvements to your credit can make a big different on your auto insurance rates. Try paying off a credit card or two or taking care of any past-due payments you might have. Also keep your accounts current and your debt on any one credit card to a minimum to qualify for the best car insurance discounts.
Obviously, it's illogical to purchase a new car for the sole purpose of qualifying for discount car insurance. However, if you're thinking about buying another car anyway, you should consider the car insurance expenses associated with the vehicles on your short list. Car insurance premiums depend heavily on the vehicle you drive, so choosing carefully can help you keep your insurance costs to a minimum. For the most part, insurers reward those who drive older, modestly priced, and safe vehicles. The more expensive or exotic your vehicle is, the more it will cost to insure.
Qualifying for the auto insurance discount you want might be as simple as calling your car insurance agent to request that it be applied to your policy. In fact, your carrier might offer a number of auto insurance discounts for which you are eligible but just haven't asked for yet. Remember that you can't always count on your agent to tell you what discounts are available; it's up to you to do your research and request the appropriate discounts. On the other hand, if your potential discounts are not enough then your agent may be able to help you find other means to reduce your premiums.