Some of the tricks for getting a good deal and high rate of discount on your insurance policy are,

For people with a driver’s license, make sure to have a clean slate. This will come in handy when the insurance company does a background check on your driving skills and whether you have been caught in any wrongful act or accident. If you have had no tickets issued, or been in any accident in the past 2-3 years, then you are eligible for discounts.

Sometimes companies also grant discounts to people who have taken the drug and alcohol awareness courses. It is infact a must in some countries, and so if a person has attended one, they are liable to get good discounts. It is a way of encouraging them since they know the value of driving safe.

While shopping online for auto insurance, do a comparative study of various companies and the rate of discount offered by them. Based on this, you can approach the dealer who gives best deals, thereby making you eligible for some good discounts on the insurance rates and premium.

When filling out forms related to insurance policy, give accurate data about your family background, and other information asked for.  The amount of trips you take on your car, miles covered in the past year, and even any defaulting that might have happened on the payments, if any. Giving such information will qualify you for a discount, just for the fact that you’ve been absolutely honest.

Your credit report speaks volumes about your background, so make sure to have a clean credit standing. If you are a regular user of credit cards, and have been making payments regularly, on time, it reflects on your personality and automatically increases your chance of getting a discount. This will also help you get some extra financial aid in case you need assistance with that. Also make sure to have no outstanding payments, not just on the car, but on other assets as well.

There are some insurance companies that offer different rates of discount to male drivers and female. Do a bit of study on this and act accordingly so you stand to gain at the end of the day.

As you can see, there are various means and ways by which one can work with the system and gain a discount.
 

There are certain factors to keep in mind while buying car insurance, like,

Car model-
What is the model of car you have bought? Is it a new model or has it been around in the market for over a year or more? This is a question you need to ask yourself before choosing car insurance policies. Depending on the age of the car, and the model, you can decide on the insurance policy. The cost of the car will have an influence on the policy you choose, since the expenses incurred in fixing repairs will be that much higher for a newer model car.

Cost of insurance-
How much are you expected to shell out every year as insurance premium and what are the features in the insurance policy? Does it cover all kinds of repairs or are there restrictions on cost levied? Knowing the amount of coverage you get will help you ascertain which policy will work out best for you and your car. Also at times, if the owner gets a speeding ticket the insurance company might increase the premium.

Coverage-
What kind of damages does the insurance company cover? Do they handle damages caused due to accidents and mishaps or will they cover only mechanical faults and repairs?  Also check the condition of the car when purchasing it to determine how good the condition is and what kind of quality parts are fitted in it. This way, you can save tonnes of money on getting new brakes installed or modifying the engine.

Extra fittings-
There are cars on the road that come with extra fittings, like speakers, or fancy bumpers. Now, in an accident, these could get damaged as well, and it would work out quite expensive to get them fixed. If you had to dig into your pocket, you would go broke, so check if the insurance policy covers these additional fittings as well  or works only with what the car was sold with.

Duration-
What is the duration of the insurance policy? Is it short term or long term? There are times when a policy is taken for 5years, but the owner might decide to sell the car ahead of time. At such times, can the policy be transferred to the new car or does that expire when the car is sold? 

Here are some of the different types of auto insurance that the buyer needs to be aware of before making a purchase,

Full Auto Insurance- A policy that is known to be the best for you and your car ios known to be among the most expensive, but it does cover all issues like instances of theft, unexpected accidents and so on. a person wit this policy sure gains to get the repair expenses footed by the insurance company and this holds good for cases where he might have been responsible for the repair. So, if you wish to have an insurance policy that backs you all the way, this is what you need to go for. most insurance companies will not cover 100% of the cost of the vehicle, but will go upto only a certain extent, but with this policy you cover all the expenses.

Third party insurance – This policy is ideal for people who even after paying all dues on their vehicle still remain very attached to it. Also just like the previous kind of insurance policy, all accidents and thefts are covered in this too, with a bit of a difference. In this policy, only if you are at fault, will you get coverage, for other situations you need to foot the cost of repairs and service.  So, while on the road,  if some other car comes crashing into you, or if you crash the car into your gate or somewhere else, the insurance company will not cover the expenses incurred in bringing your car back to its original condition.

There is one more kind of insurance policy, which is Third party, where in the insurance company covers cases where the owner, the person who has taken the insurance policy was at fault, and has led to an accident or damaged another vehicle. These are undertaken by people who own less expensive cars, or are into used cars.

Specialised insurance – Just as the name states, this kind of insurance policy is for cars that are considered vintage, which are over 20 years and have specific needs and parts are not easily available.

These are some of the kinds of insurance policies available to car owners, and what they choose depends entirely on them and the budget they have in mind. At the end of the insurance is taken to cover all extra unexpected expenses that might arise in the due course of owning the car, and driving it around.