All auto insurance providers base the rates of their policies on many aspects. But it all goes down to a single logic: the lower the risk is, the more discounts you can get. Take advantage of this by familiarizing yourself with all those factors that affect the insurance cost and how to reduce risk under each of them.

These factors include:

* Vehicle properties like the make, model and year of manufacture. If your car is brand new for instance it can command a lower premium.

* How many owners it had, accident and theft history. If it is a single owner vehicle and has no accidents or theft in the past it adds up to give you discount.

* Safety measures and anti theft systems it has. Air bags, anti locking brake systems, skid proof tires, automatic seat belts, window etching etc. are safety features that improve discount possibilities. Automobiles fitted with anti-theft devices are safe from being stolen and this in turn makes way for discount auto insurance.

* Mileage. Remember to quote your mileage based on your vehicle history as accurately as possible. Never give an over estimation - after all a lower mileage can get you lower insurance rates.

* Driving record. When your driving history shows nil accidents and no tickets, it goes to prove that you are a safe driver. This means your vehicle is less likely to get in an accident and so you earn the insurance.

* Credit rating. When you have a good credit rating it means you make your payments on time, every time. Any insurance company would love to have you on their client list and what better way to retain you than give discount?

One last tip you have to take note of is if you have multiple cars, you might want to insure them together under one plan to get massive discounts. Just remember all those factors stated above and we guarantee you a lower auto insurance rate.