Another thing to be sensitive about is the levels of deductibles that you have set for your policy. Most people generally don't understand that you can actually lower your insurance quotes simply by increasing the level of deductibles. This means that it will generally be harder for you to claim on your policy thus the insurer can reduce their premium based on that fact.

One should also be sensitive towards the choice of vehicles assuming they haven't chosen one yet. The type of vehicle weighs greatly towards the premium chargeable by the insurer. To get the lowest premium you should get a car that is very popular and with a high reliability and safety rating. The color of the car should be quite anonymous so as not to attract any unwanted attention. Lately there have also been companies that take quite seriously the safety ratings of the cars too. Cars that have NCAP of 5 will be insured with a lower premium compared to cars that have a NCAP rating of 3.

The one factor that determines the price of a premium more than any other is the driving record of the applicant. The cleaner the driving record the better the rates. The unfortunate thing about this is that those who do not yet have a driving record will be severely disadvantaged at this point because until they prove to be a good driver their insurance rates will always reflect that they aren't.

Another factor to remember is that are in which you live, the place where you keep your car and also where you work. Those that have all these places in good neighborhoods will be rewarded with cheaper premiums while those in high theft areas will naturally have to pay a higher premium.

Listed above are just a few of the major factors that make significant impact on your auto insurance quotes. If you manage to keep towards the conservative side of these recommendations then you will be rewarded with cheap insurance policies with high coverage.