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There are hundreds, if not thousands, of car insurance providers across the United States. Some offer limited premiums while others provide a wide range of products and services. With so many companies to choose from, finding the best auto insurance rates available should be a breeze. Right? Well, maybe.

Interestingly, in spite of the myriad of services offered by the many car insurance providers in the industry, many Americans still find it difficult to settle on an auto insurance coverage of their choice. If anything, the huge car insurance market has only made the task of looking for a suitable premium even harder. What many people fail to understand is that they can get great offers if they just exert a little effort and do a little research. Believe it or not, there are genuine deals offered by many insurance providers.

One way of getting the best auto insurance rates is by simply driving safely. A clean driver’s record would make any insurance agent’s day. If a driver is seen as a responsible motorist, then companies will gladly give special rates. The reason is quite simple though. A safe driver is less likely to be involved in a car accident. Lower risks equate to less payouts and higher revenue for insurance companies. It is much more economical for a provider to take in clients who are less of a liability. Just like credit card ratings, a driver’s record will be the focus of any company.

A spotless credit history or rating can also increase the chances of getting the best auto insurance rates. Because almost all insurance providers now make use of credit cards in their transactions, a good credit rating can be a big boost for drivers applying for new premiums. However, some states prohibit auto insurance companies from using credit scores for their own rating purposes. Before trying to ask for a discount, find out first what the laws are in your specific state.

Even teen drivers can try their luck at finding the best auto insurance rates. Some companies offer “good students” discounts to teen drivers who perform well in school. At present, the addition of a young driver to a policy would cost around $2,000 in additional annual charges. Enrolling teenagers in drivers’ education classes will enable them to become responsible drivers at an early age. Hopefully, this will translate to better driving records and lower insurance premiums in the near future.