Everybody knows that purchasing automobile insurance can be an expensive undertaking. It seems unfair that something that the law requires drivers to have cost so much. It also seems unfair that everyone spends so much money on something that they hope they will never ever have to use. Of course, there are ways to save money on your automobile insurance policy. Here are a few hints to help you lower the costs of your automobile insurance.

1. If you can afford the out of pocket expense, sign up for annual insurance payments. Many insurance companies will lower the cost of an insurance policy or offer generous discounts to buyers who are willing to make an annual payment instead of a monthly payment. Another good thing about purchasing an annual policy is that you won't have to worry about your payment changing from month to month.

2. Buy a super safe car! Sure the fancy sports cars and sport utility vehicles are exciting and attractive, but they are not the safest cars on the road. The more likely your car is to get into an accident, the more it will cost to insure. Insurance companies just assume that people who own super sporty cars are going to be speeding and "testing" their cars by driving recklessly. This means they will be more likely to have to pay out on your insurance policy, resulting in an increased cost.

3. Track your driving mileage. People who drive more often are more likely to get into accidents. The law of probability tells us that. The more likely a person is to get into an accident, the more costly an insurance policy will be. There is a reason that insurance companies ask you how many miles/kilometers you drive in a day/week/month. If you keep track of how much you drive, the better able you will be to give an accurate answer to the question when it comes time to fill out the form.

4. Sign up for automatic payments. Because insurance companies don't want to have to deal with customers who bounce checks or are late mailing in payments, they often reward customers who pay for their insurance policies via an automatic bank transfer. Believe it or not, some car insurance companies charge their customers as much as five dollars each time a check is mailed in. Do you want to pay somebody to be able to pay them? Cut down on your costs by letting them automatically deduct your monthly or annual fee from a checking account or credit card.

5. Drive safely! If you have a history of causing accidents, your car insurance costs will go up. Believe it or not, it actually does pay to obey the speed limit and pay attention to the drivers around you. Defensive drivers are cheaper to insure than aggressive drivers. If it will help you to lower your costs, consider taking a driver's safety course. Many insurance companies will lower your premium if you can prove that you've put some time into learning how to be a safe driver.

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