One of the main things which is most likely to affect the cost of your monthly insurance premium or rate when you are buying auto insurance is the way that you drive. If you have made a lot of auto insurance claims in the past then the costs are going to be higher. Learning to drive more carefully is not only good and safe for you; it also has the potential to drastically reduce your auto insurance rates if you can show a pattern of safe driving. This means no vehicle accidents and very few if any speeding tickets from your favorite law enforcement officers. Always make it a point to look for higher deductibles. Deductibles are the amount paid before implementation of the policy. High deductibles greatly lower the costs. However, opt for higher deductibles only when you have enough money kept aside to pay it if you have a claim.