The Insurance market is highly competitive, every insurance provider wants to make as many clients as possible. But sometimes you may fall into un-necessary high premium rates if you are ignorant about car insurance policies.

Here are few tips you should consider before buying a car insurance :

Compare Quotes :
Prices vary among different insurance providers, so research the market a bit. Gather atleast 3 different price quotes from top reliable companies. Internet is a good source of asking for quotes or you can call them up. Your state insurance dept. might have price comparison chart of major providers.

Prices Vary :
There can be various re-sellers. Some are sole agents of 1 insurance company while some promote multiple companies. And some have no agents - they sell directly to their clients without a middle man. So pries can vary among these 3 different providers. You can guess whose price will be lowest.

Lower Coverage for Older cars :
If you are purchasing an insurance of older cars, then go for lower coverage. Your premium might become 10 times than the car is worth of - in such cases coverage is not effective.

Higher Deductibles :
The first installment or money which you pay before your policy begins is knows as deductibles. Go for higher deductibles, which can reduce your premium by 20-40 percent. A $500-$1k would be a good choice.

Selecting Same Insurer :
Go with the same company which insured your home, life, car, etc. A company gives discount for multiple deals. For long time customers, your company may charge less premium rates.

Low miles per year :
Some policies have feature of less premium for less drove cars - so called low mileage discounts. So walk around or consider pulling your car

Good Credit Record :
Have a good credit record with your insurance/loan companies as companies gather your credit information before giving you a quote. A Good history means lower insurance costs.

Ask for Discounts :
You can ask for discounts on high deductibles, more cars, no accident in 3 years, no traffic violations in 3 yerrs, driver education courses, defensive courses, security devices, lower mileage, air bags and anti-lock safety features, students, senior citizens, qualified professionals, etc.

Smaller Car :
A small, less power engined car will cost you less. Remember, an imported car raises your premium significantly.

Be a Woman :
Women being careful drivers (occasionally:lol: ), cost less premium rates. OR you can take premium policy in the name of your lady.

Requirements :
Decide how much is your requirement according to the pocket. Also know what are the legal requirements of car insurance in your state.

Hope this article will help you to save a little if not much. If so, you can ask for my paypal for donations.