Best Ways to Reduce Car Insurance? -

I found this article on ForbesAutos.com about best ways to reduce my car insurance. Is this true? http://www.forbesautos.com/advice/topten... Best ways to reduce your rates are as follows: 1. always pay cash for your car. Then you can choose which physical damage coverages you want, and which deductibles. 2. buy cars 4 years old or older. There's a significant reduction in the cost of insurance for older cars. 3. pay your bills on time. Yes, credit scores DO have a massive impact on your auto insurance rates. 4. Be a nice driver. Nice drivers get in fewer accidents, and have fewer tickets, than aggressive drivers. Fewer accidents and tickets mean lower auto insurance rates. Bottom line - aside from your credit score, driving habits, and car choice, the only way to reduce insurance rates is to lower coverage - whether raising your deductibles, eliminating some coverages, or not. And that's just not practical for a lot of people. But then, paying bills on time, minimizing debt, driving politely and carefully, and driving a boring car isn't practical for a lot of people, either. Yes. Also, always ask each carrier who gives you a quote for their discounts - ask what's available and how you can qualify for any discounts. Each year, go back to your auto insurer and ask about a discount. Also, if you get a better quote this year from a new insurer, tell your agent and your insurance company and ask if they can match the better quote you got from the new auto isnurance company. It depends on where you live, but generally, yes, the article gives good advice. Higher deductibles often help. Having a clean driving record helps immensely. The vehicle itself affects the rate. Drive a vehicle that is safer (lower injury settlement rates and lower accident frequency both lower rates). In many places, leased vehicles cost more to insure than owned vehicles. Hey these are great but they did not list the discounts, these are basically the ONLY way to slash your auto insurance premium. Check out this blog post that I read it gives you the Discounts like Air Bag, Car pooling, Military etc - Check it out here: http://www.porscheforsale.info/2007/12/1... That is a good article. Here is another one that I found with similar advice, but a few other tips as well. http://www.e-wisdom.com/auto-insurance/s... This is a great article. I think I need to send this to some of my clients! Of course, each state and each insurer vary in available discounts and rules, but this is pretty dead on.