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Getting your insurance online is probably the easiest way to start saving. Companies offer deductions to people who purchase their insurance online, and it is very convenient for the purchaser as well. You can compare between policies quite easily on the Internet, and also receive quotes far more quickly than through the post.

Lower your coverage. Insurance agents secretly admit that people usually get sued according to policy limits. You'll be sued for more if your limit is a million than if it's a hundred thousand. A judgment beyond the policy limits is a scary thought, but this can happen no matter what your limits are. If you don't have many assets or much money in the bank, consider lowering your coverage to save money. Get quotes first, of course, to see how much you'll save.

Drive responsibly. If your teenager sees you speeding, ignoring stop signs, and giving in to road rage, he or she will be most likely develop the same driving behaviors. These behaviors lead to traffic citations and traffic accidents, both of which will lead to higher insurance prices, as well as injuries and fatalities.

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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.

It is also less expensive to add a student's name to an existing auto insurance policy, rather than take out a new one; although if the student is the primary driver or owns the car, they may be required to have a separate policy.

Teenage drivers - who also fall into the category of what insurance companies call "new drivers" - tend to pay the highest car insurance premiums of all. Most teens of course, are inexperienced drivers with no lengthy record of safe driving and the higher premiums are in place to cover the increased possibility of an auto accident. Statistics indicate that 16-year old drivers get into accidents almost 10 times more frequently than drivers aged between 30 and 59.

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