Following these tips will enable you Insurance Quotes get the cheapest auto insurance rates:

1. Raise your deductible.

A higher deductible on collision and comprehensive coverage can lower your auto insurance rates. For example, increasing your deductible from $200 to $500 could cut your collision cost by as much as 30%. Since the average annual premium is $687, this can save you $206 per year.

2. Drop collision and/or comprehensive coverage on older cars.

If your car is declared a total loss, you will receive the cash value. If your car is 5 years old or older, it may make sense to cancel the collision and/or comprehensive portion of your policy and bank the savings.

3. Avoid Insurance Quote medical coverage.

If you Insurance Quote adequate health insurance, you may be paying for duplicate medical coverage in your auto insurance rates. In some states, eliminating personal Insurance Quotes protection (PIP) can lower your premium by up to 40%.

4. Drive a "Low-Profile" car.

The auto insurance rates are much higher for cars that are Insurance Quotes to repair, or are favorite targets for Insurance Quotes Before buying a car, determine the auto insurance rates.

5. Drive less.

Some auto insurance companies offer cheap auto insurance quotes to motorists who drive less than a predetermined number of miles a year. Consider using public transportation, a carpool or vanpool to commute to work.

6. Ask for a multi-policy discount.

Some insurance companies give a discount if you have your homeowner policy with them also.

7. Ask for a discount based on your credit score.

Some auto insurance companies use the credit score to establish premiums. If you have a high credit score, ask for a discount.

8. Compare auto insurance rates.

When shopping for the cheapest auto insurance, you will find that prices for the same coverage can vary by hundreds of dollars. So, it pays to compare auto insurance rates.

Get Insurance Quotes auto insurance quotes at http://www.howtocutyourexpenses.com

With over 20 years of experience as a personal financial educator and counselor, Vernon Williams has developed in depth knowledge of what it takes to achieve financial success. Today, he is a sought after trainer and Insurance Quotes by organizations from both the public and private sector. He is the author of 425 Ways to Stretch Your Insurance Quote and 3 Rules that Guarantee Financial Success.

AP - Iraq's Christians, a scant minority in this overwhelmingly Muslim country, quietly celebrated Christmas on Thursday with a present from the government, which declared it an official holiday for the first time.