Tips on Lowering Your Auto Insurance Rates

But there's a lot of things that change over the years which could result in lower payments.

Here are scenarios that might save you money on auto insurance. If any of these apply to you, it's worth calling your insurance provider and asking for updated rates - it could end up saving you a decent amount of money.

• You bought a home - Insurance companies offer lower premiums if you purchase auto and homeowners insurance together.

• You're working from home - Insurance companies charge partly according to how far you drive to a job every day. If you're working from home, your premiums are likely to go down.

• You are a safe driver - Check to see if your insurance company is up to date on your driving record. The longer you go without an accident, the better.

• Your child has left the nest - If you have a child in college more than 100 miles away, you can take him or her off your car insurance policy. (But they can't drive your car when home to visit.)

• Shop around - Get at least three insurance quotes to see if you can get a better rate.