Want to get the cheapest car insurance rates possible? A spike in the number of drivers on the road means auto accident claims are bound to increase, creating the perfect storm for premiums to go up. The good news is that you can still find cheaper insurance rates for your vehicle, but this requires some research and changes to your behavior as a driver.

Check out these tips for saving money on your car insurance costs.

Prove That You Are A Safety-Conscious Driver

When determining how much premiums you should pay for car insurance coverage, auto insurance companies will look at your driving record. If you're an experienced driver with a clean driving record, you can prove to auto insurers that you're a safe, low-risk driver.

The lower your perceived risk as a policyholder, the lower your car insurance rates will be.

Drive A Car With A Good Safety Rating

Just as there are high-risk and low-risk drivers, there are high-risk and low-risk vehicles as well. 

Low-risk cars are generally roadworthy cars that come equipped with good safety and security features. Your car doesn't have to be brand-new to be considered safe—even an older model can be considered safe provided it has the right safety features. 

Pay For Your Insurance Annually

Auto insurance companies offer their clients the convenience of paying premiums at time intervals that suit them. Depending on the insurer you choose, you may be allowed to pay your insurance premiums monthly, quarterly, bi-annually, or annually.

Whenever possible, pay your insurance rates annually as it is frequently the cheapest option.

Compare Quotes From Different Car Insurance Providers

The insurance industry is a free marketplace with many buyers and sellers. If you want to get the best rates for your auto insurance coverage, consider what different insurance providers are offering. 

If you can get and compare quotes from multiple car insurance companies, you may end up with the cheapest option available to you.

As car running costs continue to go up, it helps to find cheaper rates for your car insurance. When exploring your car insurance premium options, don't forget to look at the value—and not just the price—that a prospective insurer is offering. You need an insurer that will be there for you in times of need, so you can quickly get your car back to the road when mishaps happen.

Contact a company like Clover Insurance to learn more.