Insurance companies are interested in risk management. As a result, they offer drivers who are less likely to get into a wreck or at least a wreck of lesser severity a lower insurance quote.

1. Present yourself as a 'Safe' candidate Maintain a clean driving record, free of traffic violations or accident claims. install anti-theft devices in your vehicle.

Participate in a driver safety training program. Buy a 'safe' vehicle. The National Highway Traffic Safety Administration (NHTSA) and the Highway Safety Insurance Institute work together-

Park your vehicle in the garage. to collect information on the safety aspects of various vehicles. Buy an automobile that is officially designated as 'Safe'.

2. Show your Creditworthiness As a risk management entity, insurance companies are also concerned about getting paid on time. If you can show yourself to be eligible for credit,

there is less risk of you not making payments on time, thus requiring a lower rate. Maintain a good credit score and correct any errors in your credit.

Reduce the total number of outstanding credit cards to 2 or 3.   3. practice financial knowledge Buy an annual policy that stays the same for one year -

instead of six monthly coverage to get you a lower rate.  Opt for automatic payment deductions from your bank account or your credit card to avoid being charged for mail payments.

4. Assess your insurance needs correctly If your vehicle is not used much or you have an older car with less market value, opt for minimum liability only. It will cost you less.

After completing the legal order on car insurance, insure according to your needs alone. 5. other smart things you can do If your car is only used for a specific purpose, 

let your agent know, as this will limit costs.  Students making good grades are often eligible for a discount. give up smoking; It can help you to get a better quote.

Change your profession if you can help. A delivery boy carries more risk than a storekeeper.