If you are paying too much for auto insurance, you're not alone. Whether it is due to your credit rating or driving record, shelling out hundreds of dollars a month for car insurance can definitely be frustrating. However, if you are willing to make some changes, you may be able to cut your costs.

Here are five ways to lower your auto insurance rates.

Take a Defensive Driving Course

If you have a lot of points on your driving record, your insurance company may consider you high risk and charge you more money for auto insurance. One thing you can do is take a defensive drive course to learn how to be a safer driving. If your insurance company sees that you are taking steps to improve your driving skills, they may lower your rates.

Raise Your Credit Score

Your credit history can affect many aspects of your life, including your auto insurance rates. Insurance companies believe that people with low credit scores are more likely to file more claims. If your credit score is poor, make an effort to improve it.

Carpool to Work

If your job is pretty far from where you live, you should consider carpooling with your coworkers. The fewer miles you drive each day, the less likely you are to get into an accident. If your insurance company sees that you are driving less, they may offer you a discount.

Choose Your New Car Wisely

If it is time to buy a new car, think twice about buying a fancy sports vehicle. It may impress your friends, but it won't help your insurance rates. A practical vehicle that has added safety features, like anti-lock brakes and automatic seat belts, may help you get a discount on your insurance.

Ask About Discounts

When you talk to your insurance agent, don't be afraid to inquire about discounts you qualify for. For example, if you have a teen driver in the household who made the honor roll, you may be able to get cheaper auto insurance rates. If you haven't had a moving violation in a few years, you may also qualify for a discount.

Auto insurance doesn't have to break the bank. If you follow these useful tips, you can lower your rates and have extra money for other things. Contact an agency like Wolf Insurance Agency if you have specific questions about having a more manageable policy.