1) Take courses in defensive driving. Defensive drivers are trained to respond better on the road. They have great driving records. If you are certified as a defensive driver from a recognized center, you'll get lowered car insurance rates.

2) Avoid those tickets. They have a negative impact on your driving record thereby increasing your car insurance rate.

3) Use a car that has safety and security features and make sure your insurer knows that. You should get discounts for these.

4) Maintain a good credit rating. It certainly pays to pay your bills on time. If you default in payments of your regular bills, insurance companies see that as a sign of irresponsibility. They protect themselves from the perceived risk in insuring you by making you pay a lot more.

5) Don't make claims for minor stuff. If it's something you can handle on your own, do so. Insurance companies give a no claims bonus for those who have not made claims for a number of years. And, even if you're switching insurers it will count in your favor.

6) Ask for higher deductibles. The higher your deductibles the lower your car insurance rate. However, make sure you don't ask for deductibles that are higher than you can handle. An insurer is only obligated to make out payments for claims after you've paid your deductible.

7) Get quotes from reputable insurance quotes sites online. The more quotes you get the better as they will give you a broader basis for comparisons. This alone can result in savings of over $1000. A fellow was able to save $2,200 by doing just this.

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