Are you tired of paying high prices for car insurance? Do you wish that there was a way to make your insurance premiums go down? You're in luck. There are multiple ways that you can lower your auto insurance costs, with little to no effort on your part. You may already have heard of some things to try, but having multiple ways to approach the situation is always good. Here are some less common methods of changing your insurance rates that you may not yet have heard of or tried:

Move to a new home: While not very practical for everyone, there are two ways that moving to a new apartment may be able to help reduce your auto insurance bill. The first is because insurance rates are typically calculated on a per-zip code basis. When the insurance company considers a particular zip code to be a high-crime area, your insurance rates will be higher even if the crimes usually occur on the opposite side of the zip code. If you live very near the border of one zip code with another, simply moving a couple blocks could lower your insurance rate significantly. Some insurance companies also give discounts based on driving fewer than a certain number of miles per month. If you live very close to your place of employment, you may qualify for one of these distance-based discounts.

Take a driving class: Whether you've been driving for a while or you just got your license, it's in an insurance company's best interests to automatically assume that you're a bad driver. But one way that you can convince your insurance company that you're a better driver than they think is by taking a defensive driving course. These courses will teach you how to handle yourself in an accident, minimizing damage to your vehicle and injury to yourself, and generally making the accident slightly safer for everyone. Fortunately, the prices for these kinds of classes are such that you should be able to recover your costs with just couple months' worth of lowered insurance premiums. Make sure to check with your auto insurance company first to make sure that they do offer this sort of discount before you sign up for a class.

Change insurance companies: Auto insurance companies, just like cable companies, will often offer a great introductory rate that will start to go up after a few months. In order to make sure that you're getting the very best rates, it's a good idea to shop around for new insurance every 6-12 months or whenever it's time to renew your policy. You may find that you already have the lowest possible insurance premium, but you may find a more significant savings by switching to a different company.

For more information and options, talk with different insurance agencies, like Manassero Insurance Agency Inc.