There was a time when if you wanted auto insurance, you just went to your parent’s insurance agent and they signed you up. Well, things have changed a lot in the past few years and now if you haven’t gone out to get quotes on your auto insurance rates, you are probably paying hundreds of dollars too much every year.

There are a few things that you need to know if you are really trying to get the best auto insurance rates possible. The first thing is that you need to clean up your credit record. If you have a credit score lower than 700, you will pay the price for it in your car insurance. You might think that your credit score wouldn’t matter, especially when you pay your insurance six months at a time, but it does. Almost all insurance companies will run your credit before they issue you a policy, so make sure that you have gotten as many derogatory issues off your credit record as possible.

Although you may have been given a great premium from a company a year or two ago, that is no reason to believe that they would still be the cheapest for you. If you have not shopped around for auto insurance rates in more than a year, then now is the time. By using the internet to search for and compare rates, you can always be sure that you are paying the lowest price possible.

Even though an insurance company may say that they are offering you a discount for staying with them for longer, you might still find out that another company is cheaper. By using the technology that is available online, you can easily find out which company offers the best deal, both in terms of price and service.