Although car insurance can be one of the most expensive aspects of owning and operating a motor vehicle, there are ways you can obtain affordable auto insurance. While there are fixed criteria that insurance companies use to determine how much your premiums will cost, such as gender and age, there are also other factors that you can influence that can lower the amount you pay for insurance premiums.

While it is common to choose the lowest possible deductible, by opting for a higher deductible, your insurance premiums will cost less. Another way to lower the amount you pay for auto insurance is to ask for discounts. Even if you don’t currently qualify for any of the discounts your insurance company provides, you may be able to qualify for a discount if you take a safe driving course. In addition, having certain safety features installed on your vehicle may qualify you for a discount so be sure and ask not only if you currently qualify for a discount but how you may qualify for one in the future.

Another way to lower the cost of your car insurance is to buy a car that doesn’t cost as much to insure. While this may not be possible immediately, almost everyone is in the market for a new or used car at some point and by knowing how much the car you buy affects your insurance premiums, you are sure to save money on your policy. For example, if the car you currently drive is among the most stolen cars in your state, you will likely pay more for insurance coverage. However, if the car you purchase has a great safety rating, you will enjoy savings on your insurance policy.

By being proactive and taking steps to lower your car insurance premiums, you can save a lot of money over the life of your car. While other factors, such as comparison shopping, are important, often, the best way to lower the cost of your car insurance is to take specific steps that are in your control.