When it comes to car insurance the main thing most people are concerned about is the cost. Just how do you keep the cost down?

There are several things to keep in mind as you shop rates, one being don’t let price alone be the deciding factor. Make sure you have the coverage you need first and foremost and then shop for the best price.

When you are deciding on a car, check to see what it will cost to insure it. Some models will cost a lot more than others. This may help you decide which car it will be for you.

Keep your driving record clean. This will make a difference.

Try to insure more than one car with the same company to get a quantity discount. You may want to have some of your other insurance like homeowners there as well.

Keep your credit good. They do look at your credit record.

How much do you drive each week? A low mileage discount may apply. Ask.

If you drive an older model car you may want to decrease the coverage on it saving money on your premium.

Have you taken or can you take a driver training course? Insurance companies will reward you for that.

And do you have alarms or other anti-theft devices on your vehicle? If so, it may get you a better rate.

You might raise your deductible, the part you have to pay out of your pocket in case of a claim.

And if you are a college student you may qualify for a discount. Never fail to ask what discounts are offered. You may be pleasantly surprised at how much it lowers your premiums. Happy motoring!

Author's Bio: 

Nate Coker covers topics of interest for news agencies around the world. Here’s more on low cost car insurance: articlesoncarinsurance.com