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A number of ways of cutting down your rates or qualifying for affordable auto insurance rates actually reduce the quality of coverage you get and so are NOT smart. You can, however, still pay a lot less without downgrading the level of your coverage if you understand and apply the right tips. Following is a recommendation that won’t leave you with inadequate coverage…

Seize every opportunity to avoid driving your car since this will bring down your mileage and, by extension, your rate. This surely is the way to go if you live in an urban area where you can take advantage of standard mass transit systems.

Being part of a car pool will will help in getting a cheaper rate. This is due to the fact carpooling reduces mileage (which is an essential point that determines your rate). Anything that reduces your mileage considerably, cuts down your auto insurance premium.