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When it comes to auto insurance rates, who you are determines what you pay.

Additionally, there are insurance firms that offer discounts to good drivers. This is just one more reason to concentrate on driving defensively and keep focused on your driving. In case you have always been with one company, don't assume you're finding the cheapest or best rate. Get car insurance quotes from other companies and compare plans. You want to closely compare the cheap car insurance quotes that you do get. A number of them may be similar but some quotes may be quite different.

Just some tips to help you save money on auto insurance.

Tip #1 The more payment periods you have to pay, the more likely you are to have to pay additional fees. If you want to save on car insurance, ask what the fees are and see if you can pay for multiple pay periods upfront to avoid fees.

Tip #2 Save time by checking for insurance quotes online. You can also check the company's rating and read feedback from past and current customers.

Tip #3 Frugal living tells us that by driving less we will be able to reduce and cut back our automobile insurance premiums. They state that the less you drive the less chance you have of being involved in an accident which in turn lowers your premium. Also, frugal living suggests that carpooling is another great money saving tip because, carpoolers may qualify for a low-milage discount with certain insurance companies.

Tip #4 The Washington Kiplinger recommends that insuring your home, automobile, and having life insurance policies with the same company will save some money. The reason is that most insurance agencies will give up to a 10% discount for having all your insurance policy with their company. This saves you some money and, when it comes time to pay bills you only have one stop to pay all your insurance needs.

Quite a few automobile insurancecompanies do offer special discounts for women too so if you're a female make sure to ask about them. You can go to insurance carrierwebsites and ask for auto insurance and you'll need to give them some very basic, detailed information about your auto insurancehistory, your current situation and what you need.

In any event, comparing multiple free auto insurance online is one of the best ways to save. Currently, people will find it easier than ever to compare rates within the smallest amount of time. Numerous websites now offer people access to comparison services in order to make the process easier and less cumbersome than ever.

It's not always easy to get a good deal on automobile insurance. With these ten tips, hopefully you will observe at least a modest decline in your insurance premiums.