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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 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.

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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Keeping all your eggs in the same basket may assist you lower your car insurance costs. Some insurers give deductions if the applicant already has one or more insurances from the same company. For example, if you already have homeowners insurance and another auto insurance plan from the company, chances are that you may have to pay less for insuring your new car. You can even ask them to give you a quote and compare it with that of other insurance companies.

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.

If you are buying a car for your teen as soon as, they turn 16, choose the type of car carefully. Your teen is more likely to drive safely in a sensible car fitted with safety features, rather than a fast sports car. Fast driving will be less of a temptation and the insurance premiums will be lower too. Try to avoid letting your teen drive a truck or SUV, which are more likely to be involved in rollover accidents.

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