American drivers are facing higher car insurance rates than ever before. Fortunately, there are several things you can do to lower your premiums and save money on your auto insurance policy. Here are five ways you can reduce your costs.

1. Improve Your Credit Score

One of the factors that insurers use to determine rates is your credit score. If your score is low, you can expect to pay higher premiums. Forbes recently reported that drivers with poor credit had "an average rate increase of 76 percent." Improving your credit score takes work, but it is beneficial for many reasons, including lowering the price of your monthly auto insurance policy. 

2. Keep Your Driving Record Clean

Another thing insurers look at when setting rates is your driving record. If you have tickets or accidents on your record, your rates will be higher than someone with a clean record. Careful driving is not only important, but it can save you money. In fact, CNBC reports that just one "driving violation increases your auto insurance costs by an average of 35 percent."

3. Get Older

Believe it or not, age does have its benefits. Once you reach a certain age, usually 25, you'll begin to see your rates decrease. This is because insurers view older drivers as being more experienced, more cautious, and less of a risk on the roads.

4. Use a Discount App

There are apps that can help you save money on your auto insurance. Typically, they work by tracking your driving habits and giving you feedback on how to improve them, including information like:

  • Speed
  • Quick acceleration
  • Braking
  • Fast cornering

The app can even tell if you are driving while distracted. So the better your driving habits are, the more you could save on your premiums.

5. Use Technology to Your Advantage

In today's world, there's no excuse for overpaying for car insurance. There are dozens of ways to compare quotes and find the best deal for you. Use websites to compare quotes from different insurers and make sure you're getting the best rate possible. You could also use an insurance broker to help you find the right auto insurance policy for your needs.

By following these five tips, you can save money on your auto insurance policy. So take the time to improve your credit score, keep your driving record clean, get older, use a discount app, and use technology to your advantage. You'll be glad you did when you see how much you've saved.

Reach out to an auto insurance provider to find out more.