There are numerous factors that affect your automobile insurance rates, from your age to the type of car you drive. For younger, less experienced drivers it can be difficult to get a low rate, as you have no record for the insurer to base your premium on. However, there are a few tips and tricks you can use to reduce your overall insurance costs and still get complete coverage to protect you and your vehicle financially.

Some of these tips include:

1. Purchase an older model – Buying a brand new car has its appeal, but older cars cost less and can get you a better deal on your insurance. An older vehicle is valued for less, which means the insurance company will have to pay less if it is involved in an accident, making them more amicable to reduce your monthly rate.
2. Purchase a safer model – Safety ratings and features also factor into the insurance adjustor's decisions regarding your rates, so purchasing cars with better ratings or reputations, such as a Honda CR-V or a Jeep Patriot — which were listed by MSN Money as two of the least expensive cars to insure in 2014 — can get you a better deal as well.
3. Drive less often – Common sense dictates that the more you're on the road, the greater your risk of being involved in an accident is. By driving less you can reduce your risks, and help ensure you get a lower rate next time your policy is reviewed. You also save on gas and reduce your impact on the environment, which are secondary bonuses.

We here at Fundy Mutual can help you make the best decisions on your car insurance and offer other advice on getting the lowest possible rate.