Are there things that can make it very easy to get affordable auto insurance? Yes! I'll give you some things to ensure in your next car if you want cheaper rates... 1. You'll pay less if you car has a higher safety rating. Safety features should be given top consideration when shopping for a new car. Such features attract a good discount. For more details on these and how much you can save by having them, consult your agent. 2.The difference in the cost of insuring comparably priced vehicles could be massive. Therefore, as you look out for the exceptional specs of the car you intend to buy don't forget to ask costs too much to insure. Two factors that will make you pay more for auto insurance are a car's crash rating and theft rate. In addition, it will also take much more to insure a car that costs a lot to maintain or repair. I don't know about you; but it is a smart thing to choose a comparable vehicle that is more insurance-friendly. 3. Features like automatic gas cut-off, alarms and other anti-theft devices are encouraged. Since they reduce the likelihood of your car being stolen they attract a reasonable discount. Cars without such devices are easy targets for thieving rats. 4. Folks who ignorantly buy either collision or comprehensive coverage or both for an old car that is not considered a classic are simply pay far more than should. This is because you are compensated based on what is called the Kelly Blue Book value of your car at the time you make a claim. Therefore, you'll get nothing if the book says your car is worth nothing at the time of a claim. So stop wasting your money. Once your car becomes old, drop collision and comprehensive coverage on it. If you do this you'll pay a lot less. 5. The most vital step to huge savings in auto insurance is comparison shopping -- Given that you do it correctly. You can get quotes that will have a range in excess of $1,000. You could quickly save that much by simply picking the lowest quote. That should apply if you're just after the lowest price. Nevertheless, if you're looking for the best price/value then you would have to look at the details of the cheapest offers. Different insurers may have adjustments for similar policies. It's wise to ask the agent what's included and what's excluded.