Everybody sees that for top level auto insurance quote, it's important to shop a minimum of five different motor insurance companies. But before you will get those quotes, there are a few actions you can take to make yourself (plus your vehicle) more desirable to insurers. 1) Keep Your Credit Clean Studies demonstrate a direct correlation between credit standing as well as the likelihood that you're going to file a car insurance claim. For this reason, nearly all insurers pull your credit report. Your credit report shows an insurer in the event you pay your bills promptly and still have had exactly the same credit accounts for quite a long time. Someone who can this is recognized as more stable than somebody who pays late and frequently opens and closes accounts. This information is accustomed to you could make your "insurance risk score", which is one ingredient that determines your motor insurance rate. Tip: If your credit rating is not strong, start cleaning it. If there is unusual credit activity on your own account, wait with regards to a month correctly to revisit normal before buying auto insurance quotes. 2) Think About the Type of Car You Plan to Buy? Insurers possess a rating system for every car model and make. Most use a system devised from the Insurance Service Office, which starts off with the price of the automobile and after that factors safely and theft data. Cars are shown a rating from 1 to 27, along with the higher the quantity, the bigger your premium. Tip: Look up your car's relative risk online. If you're attempting to keep your automobile insurance premiums low, you ought to consider this to be risk prior to buying that high-risk sports vehicle. 3) Pay your insurance premium fully ... "Fractional premium" fees usually are charged whenever you pay your annual premium in six-month, quarterly or monthly installments. There is typically an administrative fee to break down these payments also. This can really accumulate. Tip: Ask about fees for paying in installments. If the fees are sufficiently small, it might be worth it. If not, bite the bullet and pay for the insurance plan premium fully. OK, you've cleaned up your credit, chosen a low-risk car and possess budgeted to pay your full car insurance premium up-front. Now it is time to go shopping for your better automobile insurance quote.