Insurance companies base your car insurance premiums on several risk factors. Insurance carriers reward good drivers for being safe and penalize those drivers that break the rules of the road. Unfortunately, even the most responsible drivers are still not receiving cheaper car insurance quotes they are entitled to. However, insurance providers offer a range of discounts that can save drivers hundreds of dollars every year. So, what is a very good driver to do? For starters, you can group all of your insurance policies together and shop around. It is not unusual for a family to have two or more drivers, two or more cars and a homeowner’s insurance policy all using different carriers.

Just about all auto insurance providers will give multi-policy discounts. These reductions can easily amount to hundreds of dollars or more per year in savings. Another common discount is known as a loyalty discount. Many carriers will give you a discount for simply remaining a loyal customer. If you don’t see these discounts on your auto policy, speak with your insurance company and ask if they offer it. Chances are good that they do.

Also, You may be entitled to a safe driver discount for being accident free for five years or more. The length of time required to be regarded as a safe driver varies between companies as there is no set number. If you don’t see this discount on your policy, call your carrier to inquire how you can meet the criteria for their safe driver discount. The good news is that these discounts can usually be combined to give you the lowest possible costs for your auto insurance policy.

If you haven’t had a car insurance check-up in the past year you may be surprised to learn that you may be paying too much for insurance. Especially, if you haven’t seen a decrease in your premiums since your last renewal. While millions of drivers shop online each year to save money on their car insurance, many consumers renew their auto coverage without receiving competing quotes. There are a number of web sites that make it easy to get free auto insurance quotes. It only takes a few minutes to see if you’re current insurance provider is giving you the best deal. For these reasons, it is a very good idea to get multiple insurance quotes every year. It’s your money so you should keep as much of it as you possibly can.