When deciding on an auto insurance company, your first impulse may be to simply look for the least expensive policy. But the insurance quote you receive will be based on many factors. You want to know all the ways to reduce cost while keeping adequate coverage. On the other hand, some choices that raise your cost may be wise ones in the long run.

The Internet is a great place to research auto insurance. All the major companies have websites. They give you quick and thorough information, even a quote on the coverage you have selected. Just put in the required information: make and model of your car, mileage per year, business or personal use, and so on. You will be asked for your location, your age, and possibly some other personal information. But you should never give your Social Security Number or other private information. The Internet is too riddled with scams and fake websites to entrust it with this.

In general, the Internet is very helpful in quickly researching what is available in auto insurance, but you are wise to contact a company by phone, or visit their local office, to complete the deal.

Here is one of the ways to save. Most insurers will give you a 10% reduction in premium if you bundle your auto and homeowner’s insurance together.

Another common deduction is if you drive less than 7,500 miles per year. This low mileage means you are exposed to risk less, and therefore expose the insurer to less risk. Be sure to claim this one if you can.

Theft prevention devices will almost always lower your premium. Again, these devices lower the insurer’s risk.

A great reduction available in most states is a 10% lowering of your rate after you take a safe driving course. These courses are widely available. One organization for seniors offers them at low or no cost. The 10% reduction lasts for three years, then you have to take the test again to renew it.

Almost any financial transaction is affected by your credit score. Auto insurance is no exception. It is all about risk. If you have a terrific record of paying your bills on time, the insurer sees little risk that you will pay your premiums on time.

A high deductible will lower your premium. But stop and think before you do this. It may mean a lot of out of pocket cost for you if you do eventually have an accident and need to file a claim.

These are some ways you may be able to reduce your auto insurance costs. You should take all the legitimate deductions you can, but without sacrificing the coverage you need.

Arizona auto insurance rates may seem pretty high compared to the rest of the country, but don’t think you can’t save some money. Here are a few tips to help you.

Arizona state law requires that vehicle owners have proof of financial responsibility, or basically car insurance. The minimum required coverages are:

Bodily Injury Liability: $15,000 per person and $30,000 for more than one person per accident.

Property Damage Liability: $10,000 per accident.

Auto insurance rates for these coverages, however, can vary quite a bit from one company to the next. This is true whether you live in Phoenix, Mesa, Tucson or other parts of the state. Knowing this is knowing one of the secrets to savings: Compare quotes from different companies and you could save hundreds. The Insurance Information Institute recommends that you get at least three quotes from different companies.

One of the easiest ways to do this is online. You can request quotes individually from different company or agency Web sites. Or, use the convenience of an insurance comparison site. These sites don’t represent a single company. Instead, you fill out one online form and can receive several quotes back. Depending on the site, you may get these quotes from the company or from independent agents. Independent agents have the advantage of being able to do further shopping on your behalf for the lowest rates.

If you request quotes individually, just be sure to provide the same information for each quote so your comparisons are accurate. It helps to have your current auto policy handy, or at least jot down some information about your vehicles, the drivers and your desired coverages and deductibles.

Speaking of deductibles, here is another tip: The lower your deductible, the more you’ll pay on your premium. You can save quite a bit by increasing your deductibles if you feel confident that you can come up with the extra money in the event of a claim.

Another way to save is to take advantage of discounts. Many insurance companies will give you a discount if you insure your home and autos with them. This is a multi-policy discount. You may also earn discounts for driving fewer miles annually, taking a defensive driving course, earning good grades as a student, or being a senior. Make sure to ask about available discounts.