Many car owners avoid taking more auto insurance than the minimum level required by the state simply because of the exorbitant car insurance rates that they have to pay.

An important factor in calculating your car insurance rates is the quality of your driving record.

Making a thorough auto insurance comparison is a good practice if you want to get cheap car insurance rates, so do your homework and most likely you will save lots of money when you do.

In fact one very effective way of ensuring that the car insurance rates that you pay are as cheap as possible is by maintaining a claims free record.

So how do you reduce the rates on your car insurance?

College students in the Golden Key National Honour Society receive lowered rates from most car insurance companies.

So, if you lower your risk, you lower your car insurance.

In addition, even though the 2002 Lexus IS 300 gets a "best pick" rating from the Insurance Institute for Highway Safety for its performance on crash tests, previous years' models of the same car are some of the most costly in terms of collision claims.

A high performance car insurance policy provides the correct level of insurance at an affordable premium, allowing the car to be used without bothering about high premiums.

It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle.

But, in the second example, since this will be a comprehensive claim your rates should not see an increase at your renewal.

If you have taken the steps to improve your credit, score you should ask your insurance company to re-evaluate your credit score at renewal.

Age Rating Tiers ? Most insurance companies have age rating tiers on young drivers.

Senior Citizen Discounts ? Most companies have discounts for people age 55 and older who are retired or work less than 20 hours a week.

4- Door cars have a 93% less chance of having a claim related to theft than their sibling 2-Door cars.

The program is being tested in Minnesota and in the U.