Among our mundane tasks, paying bills is my least favorite. Car insurance is the one that really hurts. Now, I like my insurance man and I have nothing but good things to say about Farm Bureau and the way the handled my car-deer accident claim. It is just that you pay all that money and hope to never have to use it. With so many insurance options -- local and internet -- it can be difficult to choose just one.

I've found out that first, you need to think about what you can do to lower the premium offered to you. It is all about your risk profile. And the one thing that you cannot change is your accident history, and age. Unfortunately, your premium is affected by your age, so the younger you are, the higher it is going to be. This is because the car insurance companies know that with driving, age equals experience. If you are older, they will have a longer track record to work with. The more accidents you have had, the higher your risk profile to the insurance company.

Having your car kept in a locked garage at night will go a long way in lowering your premium. More importantly, you will need to install a theft prevention measure on your vehicle. An anti-hijack system and tracking device will be a good security measure to have in place. Firstly, this lowers your premium as the car insurance company knows that should your car be stolen, they will be able to find it and thus not have to pay out. Secondly, this is also good for you to get your car back from the thieving fiends who stole it in the first place! It is definitely mutually beneficial to install these systems in your vehicle, no matter the cost.

As you can see, it is not that difficult to take the necessary measures to lower your premium, you only need to do a bit of research and make some effort.