Car insurers make a beeline with the best offers through innumerable calls as soon as soon as your car insurance comes up for renewal. It becomes a challenge\u00a0to decide which one to choose and doubtful if\u00a0premium quotations are actually the lowest that the companies can offer. While the premium rates quoted by each company would be based on your profile and history and the company's internal risk assessment, there are ways with which you can ensure that you get a good deal at the time of renewal. You must ensure that the insurer has factored in your driving history and whether it has been claim-free, the model of the car, the location where the car is registered and your age. \u201cOne must make an honest effort to find out what discount their car is eligible on basis of make, model and age of vehicle by taking comparative quotes from market from different players on apple-to-apple basis,\u201d says Saroj Satapathy, CEO, Ideal Insurance Brokers Pvt Ltd told FeMoney. Satapathy says general insurance companies provide discount on 'own damage' portion of premium to motor cars starting from 20 per cent to even 60 per cent depending on make, model, geographical location, age and claim free years to the owners of the vehicle. Naval Goel, CEO & Founder, PolicyX.com says insurers offer discounts based on the risk assessment of the customer. \u201cCompanies look for individuals that they can perceive as low risk individuals and tend to offer them policies at lower rates,\u201d Goel said. Goel says that insurers offer discounts depending on the profile of the vehicle owner, the type of vehicle you are driving and the profession that you are in. \u201cYour past claim history (if any) also is a major factor that the insurance companies consider while offering you discounts in the form of NCB (No claim bonus) which can be as much as 50 per cent in select cases,\u201d he said. Goel advises the following measures to ensure you get the best deal while renewing your car insurance: Do not make a claim for small incidents like scratches, minor dents etc with your insurer as having a clear track record in terms of NCB results in substantially lower premiums when you go for renewal of policy. Your past claim history (if any) is a major factor that the insurance company considers while offering you discounts in the form of NCB which can be as much as 50 per cent in select cases. Having safety features like an anti theft alarm among other features also results in lower premiums as the company perceives lesser chance of theft of your vehicle. You can also opt for higher voluntary deductible. Deductible is an amount that the insured has to bear himself before the insurance company pays for the claim. A higher deductible may result in lowering of premium by 20-35 per cent.