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Are you looking to lower your car insurance rates like I was? It's not really that hard if you know what to do and what discounts to ask for.

These are some of the most common discounts on car insurance quotes

1. Are you a good student with good grades?
2. Are you active or retired military?
3. Are you a member of a credit union?
4. Is your college listed with the insurance company? Many top colleges are listed and will receive a small, but still a discount just for being an alumni.
5. Can you combine other lines of coverage together, like home or renter insurance and auto together?
6. Can you buy online, small discount but still a discount.
7. How is your credit score, can you improve it or remove any negative info that might be on it? Car insurance companies use your credit score to determine your rate and credit risk.
8. Where do you live? Can you house your vehicle in a cheaper zip code? Sounds silly but some people are able to do this.
9. Can you raise your deductible amount? Having a $1,000 deductible could save you a little cash. You only have to pay this amount when you have a claim and YOUR insurance pays that claim. So 2 things have to happen before you spend the cash.
10. Shop around! I am shocked at how many visitors are not willing to spend just 1 hour comparing multiple companies and agents. I was able to save almost $800 a year just making a few comparisons. I switched from Travelers to Liberty Mutual.

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