Nowadays having a car insurance of some kind is a must if you want to have a car. You can not avoid it. So, how can you save money with lower auto insurance rates? The obvious answer is to shop around. However, you need to meet some criteria no matter which insurance company you choose.

The main thing that will lower your car insurance rate is your past driving experience. People with no or few speed tickets are deemed safer than those with lots of speeding tickets so they will enjoy lower rates. Also, your past claims for car accidents is a big factor. Drivers with car accidents history or with no driving history are often categorised as high risk drivers and they usually end up paying higher auto insurance rates. Usually, you may need up to three years of clean driving to enjoy lower rates again.

Another major thing that influence your premium rates is the type of the car you have. It may seem unfair, but the sports cars or very expensive cars, so called trophy cars, have higher rates for their insurance. Usually, vehicles like SUVs, sedans and coupes have are cheaper to insure. So, when you go shopping for a new car think before splashing on an expensive sport car.

Some insurers offer discounts for students. So, if you are student is good to take a look good students rates. They are actually offered for both high school drivers and college students. The catch is to have good grades.

The best way to find lower auto insurance rates is to shop around. The simplest way to do it nowadays is with online compare quotes websites. And the more precise you are with your information the more chances are to find a cheap premium for your car.