I’m sure everyone wants to save money, especially on auto insurance. Since none of us should drive without insurance, there is a way to be properly insured and still save money. Here are ten ways to lower your insurance premium.

1. Place your homeowner, auto, renter, and any other policy with the same company. The insurance company will give you a discount per companion. Depending on the company, this discount is 10 percent and up to 25 percent.
2. Being married also gives you a discount. Insurance companies assume that marriage makes people more responsible. Check with your agent, domestic partners also count as spouses.
3. If you have more than one vehicle and driver in the home, insure them with the same auto policy. The insurance company will offer you a discount for multiple cars and multiple drivers.
4. Pay your premium insurance in advance. Pay your policy semi-annually or annually in full and you will receive a discount. You lose money when you pay your premium each month. Insurance companies charge you an additional $ 2-5 per month for processing fees alone. You can save on those fees by setting your account to be paid automatically from your bank account. Also, always pay your bills on time. Insurance companies charge late fees.
5. Maintain ongoing insurance. Insurance companies don’t like a lapse in coverage. Depending on the insurance company, a lapse of up to thirty days can be tolerated.
6. Buy your car insurance in advance. Many companies offer up to a 10 percent discount on advance quotes. It makes a big difference to your premium to request a quote eight to ten days before you want your policy to take effect.
7. Keep driving history and previous insurance history clear when quotes are made. Some insurance companies do not run the reports during the quote. Tell the agent the truth about your driving record and your claims. The reports will continue to run at the time the policy is issued and may affect the policy premium.
8. Keep your credit score clean and high. Depending on the insurance company, your credit score can either help your premium or hurt it. A high credit score number helps you get significantly lower rates.
9. Having theft prevention devices in your vehicle also gives you a discount on your auto insurance. If you have an alarm, active deactivation device, passive deactivation device, or OnStar service in your car, tell the agent.
10. Good student discounts give you an additional discount if your children are on the policy and are good students. The agent will ask you to send a copy of the qualifications.