If you complain about the rising costs of automobile insurance, you are not alone! So how do you lower your premium and save some money? Since most states require insurance you can�t just drop it. And you may be required by your lender to have more than just the bare bones policy. There are some things you can do to lower those premiums without canceling your coverage. Not all of these will apply to you, but some of them certainly could.

This should be your first step in looking for an insurance provider. Sometimes you�ll be able to find the exact same policy on the exact same car you have now for significantly less money with another provider.

This is a great way to reduce your premiums as long as you have the extra money lying around should you need to pay your deductible. Going from a $250 deductible to a $500 deductible might save you 10 percent off your annual premium.

Here�s an obvious solution to some of your insurance woes. Simply reduce certain types of coverage on your policy. Some non-mandatory coverage may be expendable in your opinion. Just be careful not to leave yourself open when you�re in an accident. Although medical payments, collision, and comprehensive coverage may be optional, it�s not generally advisable to get rid of them.

If, however, your car is worth less than $1,000, it might be cost-effective to drop your collision and comprehensive coverage. In this case if the vehicle were severely damaged in an accident, the total pay out for repair or replacement would be very small. It might even be less than what you are paying in premiums and the deductible.

You must be cautious, but you can actually lower the amounts of certain coverages. Just be careful not to leave yourself with inadequate coverage in areas like liability. Make sure to talk over your options here with a licensed agent.

For most insurance companies, your credit history is important. Over the years there have been many studies that directly link your credit history with your risk to the insurance company. Keeping a good credit history will ensure lower rates from your insurance provider.

If you drive under a certain number of miles every year, you could be eligible for a low-mileage discount. If your insurance provider does offer this kind of discount, then simply reduce the amount you drive. Try taking the bus to work every once in a while or take a plane on vacation.

Most insurance providers have higher premiums for cars that are used for businesses.

Maintaining a clear driving history for a long period of time can lower your insurance rates. The best way to apply is to drive carefully and defensively.

Cars are rated individually for insurance providers based on the type of car. Generally, the high-performance sports cars are a higher risk because they are more likely to be stolen or vandalized, and their drivers tend to go faster and more recklessly. Conversely, economy cars or station wagons tend to be less expensive.

Rates for people living rural communities are typically lower than those who live in urban communities. Urban communities tend to have a large rate of criminal activity, vandalism, and traffic. This may be something to consider when relocating from a rural area to a large city.

You may be able to get a slight reduction if you keep your vehicle in a garage. The idea is that it will be less likely to be stolen, vandalized, or hit by other cars.

You could receive discounts for having some of these options installed in you vehicle: anti-lock brakes, automatic seat belts, air bags, car alarms, tracking systems, etc. All of these things either raise the safety level of your vehicle or reduce it�s chance of being stolen or vandalized.

You can also receive discounts by purchasing more than one kind of policy form the same insurance provider. If you were to have homeowner�s insurance and auto insurance some providers will offer a discount. The same might apply if you use the same policy to cover several different vehicles or drivers.

Some other discounts vary by individual companies. You may be eligible for discounts for being a member of AAA or for having been under the same policy for a number of years. Check with you insurance provider to see if you qualify for any other discounts.