Saving money on car insurance requires a combination of techniques that improve your insurability, decrease the rate of insurance for your vehicles, and provide you with a unique advantage when it comes to purchasing car insurance.

This article will outline seven techniques that will ensure that you receive the lowest possible car insurance rates.

1 - Choosing the Best Insurer

Cost is certainly one factor when considering car insurance, but your insurer selection should be weighted more heavily on reliability. You could easily call a number of insurance companies, ask for quotes, and simply select the lowest bidder. However, even if the lowest cost insurer saves you hundreds of dollars a year in premium payments, that savings does you no good if you find yourself in an accident, needing car repairs or medical attention, with an unreliable and unresponsive insurance company. A good company is crucial. It's not just about car insurance best rates.

#2 - Customize Your Policy

Before you begin calling around, it's important that you determine the level of insurance coverage you need. Not everyone's insurance needs are the same. Some families own two or three very expensive vehicles, while other families own only older used cars. Some people are members of AAA, while others are not. The specific terms of a policy should be determined by your life situation and the value of the items being insured.

#3 - How to Become Highly Insurable

Whether you've already purchased car insurance, or you are getting ready to start looking, one of the best things you can do to obtain the lowest possible rates is to improve those things that car insurance companies look at when they calculate your insurance premium. There are several things you can do in the short term to improve your insurability standing, and there are also things you can do over the long term to improve it as well. This section will describe four major elements of this technique to save money on your car insurance.

#4 - Reduce Your Car's Insurance Rate

Another extremely effective technique to obtain the lowest possible insurance rate is to improve those things about your car which car insurance companies value the most when they calculate your insurance premium. There are several things that you can do before buying a car that will dramatically decrease your insurance premium. If you've already bought a car, however, and are looking for ways to decrease your existing insurance costs, there are still methods you can use that will substantially cut your premium costs.

#5 - Gaming the System

In addition to all of the techniques already listed in this article, there are also additional ways that you can use the insurance industries rating rules and premium calculation system in ways that will reduce your costs. Again, use the industry's rules to get car insurance best rates.

#6 - Constantly Update Your Policy

One of the most important things that you can do to keep your insurance premium at a minimum is to always remember to update your insurance provider of any changes in your life that can reduce your insurance costs. Forgetting to do this can be very costly.

#7 - Deciding on Liability Only

There comes a point in the life of a car when the decision needs to be made whether or not it is worthwhile to maintain collision and comprehensive insurance coverage.

Getting Rock Bottom Insurance Rates

If you carefully follow each of the sections outlined in this guide, you are guaranteed to receive the lowest possible insurance rates for anyone within your calculated risk bracket. No one should ever overpay for car insurance - especially given the fact that there are so many insurers in the industry competing for your business.

Most people overpay for car insurance out of sheer laziness. However the consumer that understands how car insurance works, and is clever enough to take advantage of all of its loopholes, will save significantly on their premium in the long run.

Before you step foot into another insurance office, or visit another insurance website, make sure to print this guide and follow it carefully in order to ensure that you get the best insurance deal possible. Remember, car insurance best rates are achievable.

Police Auctions.

When it comes to decorating cars, enthusiasts tend to spend a pretty packet on making their vehicles look good as well as perform well.

Car decals are freely available from a wide range of stockists. Designs ranging from cartoon characters to tribal and flame designs that can be stuck to the side of cars in order help it stand out from the rest.

And for those who want to get a bit more performance out of their vehicles, there are no end of stockists of exhausts, spoilers, engine tuners and turbo kits available to satisfy any boy racer.

Hollywood movies and video games have helped to glamorize car customisation – combining performance-enhancing technology with snazzy car designs. But whilst it may look cool at first, it could have implications for your car insurance if you’re not careful about it.

Unfortunately, for many who choose to customise their cars, additions such as snazzy paint jobs, shiny alloy wheels and thumping sound systems can make vehicles more attractive to thieves.

From an insurers’ point of view, any additions that will soup up the performance of the car can be considered a liability. Changes to aspects such as the engine, wheels and even the sound system of your vehicle could raise the value of your insurance premium, at the same time lower the price of the vehicle.

It’s all very well adding a turbo to your vehicle in order to show off to your mates, but should an accident happen it could reduce, even invalidate any claim you might make on your car insurance, as well as potentially making the car unattractive to future buyers should you choose to sell it.

Therefore, it is advisable to contact your insurance company and let them know of any customizations you want to make to your vehicle in order to check how it affects your policy before buying, fitting and showing off any new parts.

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