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Purchase a car which is considered "low profile." These are cars that aren't high on the list of the most commonly burglarized and stolen vehicles. (If you already have a "high profile" car, pay attention to the next two tips!)

Lower the insurance company's risk. Using seatbelts, not smoking, and having alarm systems can mean cheap insurance. Ask your agent about any discounts that are available.

A lower end or more common sports cars can often be insured for less, and are cheaper to buy so you win twice there. Once you have your car however, take the necessary security precautions to keep it safe. An annoying car alarm is an excellent investment, as well as immobilizers and a steering lock. Parking in a secure garage is also another way to assuage your insurer's fears and persuade them to lower the premiums.

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Increase your deductible amount. This is the amount that you agree to pay in the eventuality of a claim before the insurance company pays up. What this implies is that you are taking a risk of paying more if the need arises. However, if you are a cautious driver and are confident that you are likely to be so in the future too, it will knock off a sizable chunk from your yearly payouts.

If you have membership in any school or professional organizations, let your insurance company know. Some insurance companies offer significant discounts for membership of various alumni, fraternity and student associations; for example, the Golden Key National Honor Society.

Any teen that is just beginning to drive should concentrate on safe driving with no accidents for at least a year or two and then contact their insurance company to inquire about lower rates. Try to set a good example for your teen if he or she is in the car when you are driving - no tailgating, speeding or reckless driving.

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