Saving money on car insurance is a lot easier thanks to the Internet, and by getting a little creative. All a person has to do is go on line, type in car insurance to any search engine and a list of many companies and their various rates will pop up for anyone to peruse.

It's an easy procedure finding rates for car insurance for either one driver with one vehicle, or even two drivers with two vehicles. Depending on what kind of coverage a driver wants, is one of the many variables as to dictating what the rates will be. Other variables will be if the driver has had any accidents, how many cars need to be covered, and how many drivers there are.

What can you do to lower your car insurance rates?

Drive the least amount of vehicles in a family as possible. If only one-person works, and you own two vehicles, sell one, and then the insurance rates will go down. Delay for as long as possible, teaching your teenagers how to drive. Adding just one teenager to car insurance payments causes the rates to skyrocket. That's because teenagers are young new drivers and are seen as a high risk, so Mom and Dad get socked with a huge bill. If you have a teenager living at home, your teenage could get a job and pay extra pounds towards car insurance payments every month.

Park your vehicle in a covered garage every night, and watch your car insurance rates go down. Just by having a garage to park even one car in every night can bring down the rates. This way the insurance company figures your vehicle isn't as much of a risk, because it is stored away safe and sound every evening, away from prowling thieves.

Several insurance companies have plans that give you a discounted rate just because you graduated from a certain university. Call your insurance carrier and find out if the university you attended is on their list of discounted benefactors, and you can save some money.

Having low mileage on your vehicle can keep rates low also. Insurance companies must figure you only drive your car to church on Sundays, like little old ladies used to say they did. The less you use the car, the less the mileage, and the lower your rates. Having a short commute to work also keeps your insurance rates low. You are less of a risk then, by driving less distance every day. Create a stay-at home career for yourself, and watch those rates literally disappear.

Compare rates on the Internet for several car insurance carriers and then you have quotes to use in your favor, when you make a final decision. Utilize your alma mater; don't overextend yourself on owning too many vehicles, work as close to home as possible, and park your vehicle in a safe place at night and maximize insurance savings. You could always sell your vehicle, and ride a bike to work. That way you can 100's of pounds on insurance, parking fees, and expensive petrol.

Learn more about this author, Kate Johns.
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