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Step 1
Search around, don't automatically assume the largest companies will have the best rates. In fact, they spend a significant amount of money on advertising, which is paid for by you, their customer. Don't be afraid to visit sites of lesser known insurance companies, you'll be pleasantly surprised at their rates. Lot's of lesser known insurance companies will give you a lower online insurance quote, you just have to find them.
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Step 2
Take a defensive driving course. 5 hours of your time could equal 10% off your premiums. It's a good idea to take one of these every few years anyway as it will reduce your insurance rates and remove points from your license. A win - win situation for you. A little known fact is the motorcycle safety course also gives a discount on your car insurance premiums. Make sure the insurance company knows you have the completion certificate, that way you'll get cheaper online insurance quotes.
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Step 3
Buy a car with inherent lower insurance rates. Don't buy a Ferrari for a new 18 year old driver. Go with a safer car, your rates will be much cheaper when you apply for an online insurance quote.
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Step 4
Instead of taking a low deductable. Take a $1000 deductable and just put $1000 in a savings account. Not only will your rates be lower, but your money will earn interest in the bank. Another win - win situation.
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Step 5
Don't automatically assume that adding a second vehicle to your existing policy will give you lower rates. Always get an online insurance quote listing both vehicles from another car insurance company.
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Step 6
If your state allows insurance companies to check your credit rating as part of their quote then do everything you can to clean it up before you ask for an online insurance quote.
