Below are some tips to reduce your auto insurance bill, prevent substantial premium increases and avoid becoming assigned risk.

Claim Reports: You know about credit reports, you should also know about claim reports. C.L.U.E.® (Comprehensive Loss Underwriting Exchange), is a claim report service provided by ChoicePoint, Inc. ChoicePoint, Inc. states on their web site "C.L.U.E. is a claim history information exchange that enables insurance companies to access prior claim information in the underwriting and rating process. C.L.U.E. Personal Property reports contain up to five years of personal property claims matching the search criteria submitted by the inquiring insurance company. Data provided in C.L.U.E. reports includes policy information such as name, date of birth and policy number, and claim information such as date of loss, type of loss and amounts paid."

Tip: C.L.U.E. reports contain information on claims history by a residence address. Just like credit reports, a C.L.U.E. report may have errors. It is advisable to obtain a copy of your C.L.U.E. report at ChoiceTrust.com to check your report for errors.

Credit reports: Insurance companies are now looking at credit reports to determine future premiums. They have determined that people with better credit scores have fewer claims. Consequently, if you have a poor credit report you may find yourself paying more for car insurance.

Selecting the Best Car Insurance
It can be difficult to find the best rates in car insurance if you’re on a limited or tight budget. There are several pitfalls to avoid when selecting the insurance that is best for you. Considering the tremendous amount of choices available to those searching for car insurance, it is easy to get lost and confused in a world of insurance. Therefore, it is important to review and take the time to understand ways around finding the best kinds of insurance that suits your life.
Car Insurance Tips
Here are some car insurance tips and suggestions to consider when trying to get a low cost motor insurance policy and keep premiums down:
• Always opt to pay a higher excess in the event of an insurance claim
• If you have recently passed your driving test, ask to see if it would be economical to complete the ‘Pass Plus’ training programme to qualify the car for discounts

Teenagers and cars do not make for a very safe combination.  The adrenalin and hormones that rage through a teenager’s veins have proven to be the cause of many accidents .  Another factor that causes road accidents is the inexperience of these new teenage drivers.  You cannot let your teenager drive out into the streets without the protection of a car insurance coverage.  These car insurance coverages can be secured from a number of insurance companies.  Most of the car insurance companies in your locality offer teen car insurance coverages to protect your teenager, his car, anything else the he might cause damage to while driving his vehicle.  The problem with these teen car insurance coverages is that these are often expensive.  Insurance companies feel that they are exposing themselves to higher risks of claims when they insure teenagers.  There are, however, ways by which you could lower your premiums when you get a car insurance coverage for your teenager.

The first tip is to shop around for the car insurance company that offers the best rates on car insurance coverages for teen drivers.  There are a lot of these insurance companies.  You have to choose the one that gives the most comprehensive coverage for the least amount of premium.  Request for online quotes.  There are websites that even offer comparative quotes that put proposals from several insurance companies side by side so you can evaluate your choices properly.  Until the teen driver reaches the age of 25, you cannot expect to get rock bottom rate.  Any insurance company who brings down their rates far lower than their competitors should warrant closer investigation.  Insurance companies that make offers that are too good to be true probably are.  Be wary of those companies that are just out to get your premium money only to prove worthless when there is a claim.