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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. Keep on top of things by paying your bills on time, keeping your credit balance low, and checking your credit record from time to time to be sure everything is in order. Also, consider dropping comprehensive and or collision coverage on older cars. 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.