• Take advantage of as many discounts as possible and reduce your car insurance premium.B2M Productions/Digital Vision/Getty Images
  
  Your auto insurance premiums can take a considerable chunk from your paycheck. Unfortunately, certain factors that affect your rates, like your age, are beyond your control. However, you can keep your insurance costs to a minimum if you make sure that you qualify for as many discounts as possible.
  
  

Maintain a Good Credit Score

• Your credit score plays a role in your rate calculations. You can pay twice as much if you have a bad credit score. Paying your bills on time and keeping your credit report free of inaccuracies can help you qualify for lower insurance rates.
  
  

Pay Your Car Insurance on Time

• Your premium can increase if your coverage lapses due to a late payment. When changing insurance carriers, make sure your new policy is in effect before you cancel your current policy.
  
  

Take a Driving Course

• Driving courses promote safe driving techniques. Insurance carriers consider you a safer driver if you've taken a driving course. Safe driving leads to fewer claims, which equals savings for insurance companies.
  
  

Pay Your Premium Up Front

• Monthly payments normally include a monthly administration fee. However, if your premium is high and you prefer to invest your money instead of paying your auto premium up front, the installment option will likely work better for you.
  
  

Inquire About a Low-Mileage Discount

• If you have a short commute to work or don't drive very much other than to work, you may qualify for a discount.
  
  

Consider Your Car's Model Before Purchasing a Vehicle

• Certain car models, like sporty models, are more expensive to insure. If you're in the process of buying a car and are considering multiple models, contact your carrier to see which one is more economical to insure.
  
  

Choose a High Deductible

• You can save about 30 percent on your insurance premium if you select a high deductible. Take those savings and create a fund in case you ever have to file a claim.
  
  

Inquire About Other Discounts

• Make sure your insurance carrier is aware of any safety features, such as side air bags and an anti-theft device, on your auto. Inquire about a reduced rate if you belong to an organization. Certain low-risk professions such as teachers or veterans often qualify for discounts, depending on the insurance company.