If you are trying to reduce your auto insurance rate, the best place to start is by considering what type of car you own. If you have not yet purchased a car, you ought to talk to your insurer or insurance agent about what type of cars get the lowest auto insurance rate. Naturally the cheaper the cost of the automobile the lower the rate the owner will be charged for auto insurance. The savings don’t stop there. In addition to the value of the car determining the rate you will pay for your car insurance, the make of the car you will buy will also have a considerable effect on your auto insurance rates. How the make or model will affect your insurance rate is by the theft rate of the make or model you choose. Insurers know which cars have a higher and lower theft rate; it’s up to you to find out from your local insurer which make has the lowest theft rate.
You can also factor into account safety elements such as anti-lock brakes, an alarm system and any other smart car features that will make the car safer. More often than not these added features do not cost much, and some car models have them as standard features. Each one of these features to a great extent reduces your rate.
Finally, when the moment comes for you to make the purchase decision on you auto insurance, you should shop around to see which auto insurers offer the best rates. You ought to put side by side as many companies as possible and see which one offers you the best rate. You can go about this by calling or going to all your local insurers and agents.