These days many insurance companies base their auto insurance premiums, at least partially, on your credit rating and history. If you have managed to diligently build up a good and solid credit rating, then you probably be able to find considerably lower auto insurance rates.

Of course, to achieve a solid history with the credit bureaus takes a considerable amount of time and effort. You have to always ensure that all of your utility and other bills are kept totally open to date. Your credit card and other debts have to be very much under control, with good steady payments, and a balance that never exceeds two thirds of your available credit line.