 TITLE: How Much Does Credit Score Affect Auto Insurance Rates? CONTENT: How to Get a Better Price on Car Insurance\n------------------------------------------\nIn addition to improving your credit, there are many ways to reduce your auto insurance costs.\nMany insurance companies offer discounts that can lower your premiums. These may include a good driving discount if you haven't gotten in an accident recently, or multiple-vehicle and multiple-policy discounts when you insure several vehicles or carry different types of insurance from the same company. You may also be able to qualify for a discount based on affiliations, such as an alumni association or through your employer.\nYour insurance company might not tell you about all the discounts upfront, or might not realize which ones you should receive. If you install anti-theft devices in your vehicles or aren't driving often right now, for instance, calling your insurer and letting them know may qualify you for new discounts.\nYou may also be able to lower your costs by choosing a policy with lower coverage limits or higher deductibles. If you have an older vehicle and don't have a loan or lease, only purchasing liability coverage (rather than full coverage, including collision and comprehensive) can also lead to significant savings.\nFinally, shop for auto insurance policies periodically to make sure you're getting the best price for your coverage. Even if you've paid for six months or a year in advance, you may be able to switch insurers to lock in the savings and get a prorated refund from your original insurer. END