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A lower sticker price can keep your rates down as well. Besides maintaining a good driving record, a good credit rating will also help keep your auto insurance premiums down. Make sure you pay your bills on time, keep your credit balance low, and check your credit record periodically to be sure everything is in order. Dropping comprehensive and or collision coverage on an older car will also lower your rate. The coverage may no longer be cost effective in the long run, so make sure you are not paying for something you no longer need.