Are you in the process of applying for auto insurance? If so, there are some things you need to do before you apply. Continue reading to know the five important things that can help you save on auto insurance.

Improve Your Credit Score.

Many insurance companies use your credit score when determining your premium. If you have poor credit, statistics indicate that you may have a higher risk of accidents, which means a higher price for the insurance.

Combine Two or More Policies.

Most companies offer a discount for the additional business if you insure more than one vehicle or driver with the same provider. Your insurer might provide an even more significant discount if you have more than one policy with them. If you’re considering getting a second car or adding a family vehicle to your policy, finding an agency that gives you more than one discount can help you cut costs.

Cut out Unnecessary Coverage.

If you have car insurance, read your declarations page to find out what coverage you have. If there are areas of your policy that you no longer need, remove them. For example, if you don’t rent cars often and therefore don’t need rental car coverage and roadside assistance, get rid of it. Also, check occasionally to see if the cost of comprehensive and collision coverage plus your deductible exceeds the value of your vehicle. If this is the case, drop those policies.

Consider Higher Deductibles.

Your deductible is the amount you must pay before your insurance kicks in. The premium is low if your deductible is higher. The more you pay upfront, the less you’ll have to shell out later in case of an accident.

Request Additional Discounts.

You might be able to save money on your auto insurance by taking advantage of unadvertised discounts. For example, if you pay your premium in full every six months, or you’re affiliated with certain groups like the military or AAA, you could qualify for a discount. Check with other insurers to see if they offer better rates than the one you’re currently paying; then ask your agent if there are any discount programs they can provide you with.