Are you shopping for a new auto insurance policy but you aren't thrilled with the quotes you are getting when it comes to your premium? You could try a higher deductible to reduce that rate right now but there are also things you can do over time to make sure your next policy or renewal will offer you a better deal even with the same amount of coverage. Here are some tips to keep in mind if you want to see your auto insurance premium go down in the years to come. 

Get Older

First, if you are still a teenager or in your early 20s, you can expect to have a higher premium than your parents, even if you have a pristine driving record. The younger a driver is, the more likely they will be seen as a risk by an insurer. Young drivers simply have a reputation for taking more risks like going fast when they drive. If you aren't thrilled with your rate at your current age, give it some time, and growing older will actually work to your benefit.

Avoid Accidents or Incidents

Are you getting a new policy or signing up for a renewal but you have an accident or some other kind of incident on your driving record? The car insurance company will likely penalize you for a major accident that was your own fault or if you have had to make multiple comprehensive coverage claims in recent years. The longer you go without filing a claim of any kind against your policy, the better your chances will be of seeing your premium start to go down.

Sign Up for a Safe Driving Program

Multiple insurers today offer a program where you can install a device inside your vehicle that tracks how often you have to slam on the brakes extra hard. If you sign up for this program and then avoid any sudden stops, you will be seen as someone who is likely driving with caution. Being seen as more responsible thanks to this program may entitle you to a lower premium during your next renewal.

Improve Your Credit Score

A low credit score can affect you in a lot of different ways and that could even include your insurance premium. Someone with a low score might be viewed as less than responsible and insurers may think the irresponsibility carries over to how you act out on the road. Improve your credit score to lower your insurance premium during the next renewal.

Contact a local car insurance company to learn more.