Everyone loves the little green talking animal that promises his company will reduce your Virginia auto insurance rates. Even the commercials that compared shopping for car insurance to shopping at Wal-Mart are popular and entertaining. The truth is you can lower your auto insurance rates, even if you don’t want to switch to the little green animal or the perky store clerk. Most insurance companies offer discounts or some kind. And in today’s economy, you need to save money every way you can. If you are not getting some of these auto insurance discounts, ask your Virginia insurance agent.

Are you a safe driver that obeys the law? You may be able to lower your auto insurance rates by up to 10 percent with a safe driver discount. You should have had a clean driving record for three to five years.

There are ways of making savings on car insurance, despite a continuing increase in premiums. How to calculate premiums, examples of quotes from a large number of insurance companies, insurance groups into which cars fall, using agents, brokers, or direct-only companies, and discounts available are examined.

Advice on minimizing the cost of car insurance is presented. It is wise to obtain several quotes each year, rather than simply renewing with your existing insurer. If possible, keep the car in a garage or on a driveway overnight instead of on the street.

The key to paying less for your car insurance and maintaining quality coverage is your local independent agent and you. With each individual that is seeking car insurance rates, insurance companies look at the make, model, and year of your car; they are also looking at your previous driving record, your licensing score and even the color of your car.

There are some small things you can do to save yourself big money. Drive less and drive more safely. Insurance companies always offer safe driver incentives, which can mean a big auto insurance discount. Drivers with no points in the last three years qualify for much lower car insurance rates. There’s good reason for this. If you can carpool or use public transit to and from work, your rate will go down. Lower your mileage and you’ll lower your premium.

When it comes to automobile insurance, you can save a significant sum of money by asking the right questions and by taking certain steps. By spending little more time on getting right insurance for you for a lower price, you get to save some money for nothing. Why pay more for same service if you can get the same service and insurance coverage somewhere else?