The best tip for keeping auto insurance rates low is to drive defensively.
Do not take risks and chances are that you will not have to make claims.
This means no speeding, tailgating or beating red lights.
Claims are what an insurance company uses as a criteria for raising premiums.
Going along with this, would be to take a defensive driving course every 3 years to get a discount.
Make sure that the insurance company has you marked down as being married and being a homeowner, if this is the case.
This will lower your premium to some degree.
Your choice of auto will determine the premium.
Do some research in this matter.
A new car obviously will raise your rates as will some brands.
The autos that are statistically driven by more reckless drivers and are more prone to being stolen will have higher premiums.
Take deductibles (when you share the risk with the insurance company) in collision (crashes) and comprehensive (fire and theft).
The higher the deductible, the lower the premium.
This means that should anything happen, you will have out of pocket expenses.
Check out the insurance company websites online and comparison shop.
Do not sign up with a company that is unresponsive or in poor financial condition.
The savings from these companies are not worth the risk of the company not being there when you need them.
Unfortunately, young drivers starting out will pay more in premiums.
They can take a drivers' education course in school and keep their driving limited to, traveling to and from school.
They can also keep good grades.
These are things which lower premiums for younger drivers.