No driver should be forced to pay an excessive amount of money for car insurance. Although automotive insurance is an absolute necessity for every car owner, there are some very practical ways to lower the total cost. Here are five cost-saving tips to keep in mind when choosing a car insurance policy. 

Develop safe driving habits

Most car insurance companies provide substantial discounts to safe drivers. Instead of driving carelessly, motorists should make it a priority to drive sensibly. Even drivers who have a shaky driving record will benefit from developing a safe driving style. If the individual is able to avoid any traffic violations or accidents, their blemished driving record will eventually be wiped clean after a few years. 

Do not purchase a high-risk vehicle 

In the eyes of the insurance company, high-performance vehicles and expensive luxury sedans are viewed as high-risk vehicles. Before purchasing a new vehicle, be sure to research the average cost of insurance for that particular model. Choosing a safe vehicle can actually reduce the cost of insurance by hundreds of dollars a year. To find out more information, speak to an insurance agent near you. 

Become a long-term customer

The majority of auto insurance companies have a great appreciation for long-time customers. After finding a reputable insurance company, motorists should try to stick with the same provider for as long as possible. Quality insurance companies typically offer discounts to the customers who have shown loyalty. If a competitor offers a lower rate, drivers should contact their current insurance provider before switching to a different company. 

Drop extra coverage on older vehicles

It is not uncommon for a person to purchase an older vehicle for commuting to work or school. If the vehicle is not worth a lot of money, the car owner should consider dropping collision coverage. A good rule of thumb is to lower the level of coverage on vehicles that have a market value of less than $2,000. 

Avoid a lapse in coverage

A lapse in coverage can cause the cost of insurance to rise. To prevent this problem, keep at least a minimum amount of insurance coverage on the vehicle at all times. In the event that a driver expects to be late on an insurance payment, they should ask their insurance provider for a grace period.