If you own a car, you cannot do without car insurance. In most countries, car insurance is a requirement by law. You have to consider it as just another expense of maintaining a vehicle. And yes, car insurance is expensive, the main reason why people are constantly on the lookout for affordable car insurance rates.

So, how can one lower car insurance rates? Here are some tips:
1. Look around for options when your present car insurance plan is due for renewal. Different insurance companies often quote different car insurance rates and you might find an option that is cheaper and suited to your needs as well.
2. You can increase the deductible on the car insurance policy. It helps to reduce the cost of the policy to a great extent.
3. The car insurance providers consider your credit report as a very important factor in calculating your car insurance premiums. A good credit report will help to lower your car insurance rates.
4. You may get a low mileage discount if you do not drive around much in your car. Wherever possible, you can make use of public transportation to reduce your car’s mileage. 
5. Avoid using your car for business purposes as the car insurance rates tend to be higher in such cases.
6. Maintain a clean driving record and take certified driving courses. This will help reduce the premium rates.
7. Have safety devices and anti-theft mechanisms installed in your car. At night, take care to park your car in a garage to prevent thefts and vandalism.

These factors help to greatly reduce car insurance rates.