Are you shopping for auto insurance and wondering how you can get discount auto insurance? It is actually quite simple if you are ready to put in just a wee bit of effort to understand some basic things – things that affect auto insurance costs and what you can do to bring them down.

Your vehicle properties, your personal records, national/ state averages and statistical data are some factors that play a role in determining actual auto insurance costs. If you satisfy criteria discount auto insurance is easily possible. While you are trying to decide the plan that will suit your requirements to a T it will be well to understand that you should discuss the discount possibilities connected with each of the above factors with your insurance agent or provider.

With almost all the auto insurance companies providing online quotes on discount auto insurance for users it has become easy for insurance shoppers to do some basic research to understand their options in the market. It would be a good idea for you to do it too. You can also make use of the innumerable freely available tools to compare and contrast quotes. This is a good way to get an idea about the pros and cons of various discount auto insurance plans and products.

When your vehicle has air bags, a brake system with anti locking features, auto seat belts and anti skid tires as safety features it automatically has a reduced risk of getting into accidents or of getting damaged. This prompts awarding of discount auto insurance. Let us say your vehicle has an anti theft device set up to reduce theft risk – this is an added advantage. This combined with a low theft incidence in your location practically makes theft risk Nil. So you can get discount auto insurance or you can decide to avoid theft coverage for your vehicle – either way you stand to gain from low insurance cost. The safety rating given to your car model, the age of your car and miles it has covered till date are all factors that tend to influence cost of auto insurance. If your vehicle has been owned by a single owner and has no accident history or theft history on record then they can all be taken as big advantages that provide discount auto insurance.

On a personal or driver level, if you have a clean driving history without any "ticket" incidents and/ or accidents, that could also prove to be a big hit with the insurance provider prompting them to give discount auto insurance. Another factor they always take into account is your credit rating. When you have a great rating on the credit front you can literally command discount auto insurance. Do you already have insurance with a provider like for instance home insurance? Then grab your discount auto insurance from them – they would do it for the extra business! When you have more than one automobile to insure go for a multi-car plan to get low rates.