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How to Save Money on Car Insurance

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From wikiHow

Auto insurance: just about everybody needs it, but almost nobody really wants it. After all, car insurance bills are a lot to pay for something you may never end up needing. While many of the factors that affect insurance premiums are out of your control, there are a number of things you can do to increase your chance of getting the lowest price for your coverage. Here's how to get the insurance protection you need while also protecting your wallet.

http://www.wikihow.com/Save-Money-on-Auto-Insurance

Shop Around - to a point. Rates very by zip-code so you should at least call for a new quote every time you move.
Stay Insured Never let your insurance policy lapse. You may find it difficult to obtain insurance if your policy expires, and your insurance may be more expensive than it was before. Customers who let their insurance expire—even for a couple days—are statistically higher-risk, and insurance companies often charge extra for this.
Increase your deductibles. Some coverages, notably comprehensive and collision, have deductibles, an amount you pay out of pocket before the insurance company begins to pay. The higher your deductible, the lower the price for that coverage, so have your agent quote you higher deductibles to see how much you could save.
Buy a longer policy. There may be a price penalty attached to 3- or 6-month policies, so the longer your policy term, the cheaper your rates will likely be. Regardless of the length of your policy, you may be able to save money by paying it up front in full instead of in monthly installments
Drive safely. Accidents, especially accidents where you are at fault, may increase your insurance premium, usually for 3-5 years. If you haven't had an accident in a while, be sure to ask your agent if you qualify for an accident-free discount.
Avoid tickets. Speeding tickets and other moving violations can push your rates up substantially and these, like accidents, usually affect your insurance for 3-5 years.
Build good credit. There is a statistical correlation between certain aspects of a person's credit rating and the number of insurance claims the person might be expected to file, so depending on what state you live in, many insurance companies charge more for bad credit or give you a discount for good credit.
Drive less (if you can!). Some insurance companies offer a discount of up to 10% if your annual mileage is less than 5000, and up to 5% if you drive less than 7,500 miles per year.

Tips For Grads:

The price of youth -- car insurance

Mom and Dad may have picked up the bills until now. Even if students are paying for their own car insurance while they're in college, they may be the beneficiaries of the family's multicar and multi-policy discounts. They may also benefit from the credit quality of their parents.

"Because they no longer live with their parents, they'll need to insure their car on their own," says Madelyn Flannagan, vice president of education and research for the Independent Insurance Agents of America told CBS MarketWatch. "They may find that insurance is very expensive. College grads tend to want to go out and buy new, sophisticated cars. They don't realize the cost of insuring that car. There are huge increases to move to big cities."

Other issues to consider include gap insurance, which covers the difference between what a car is worth and what is still owed to the bank if the car is totaled or stolen. Also, if a policyholder allows another person -- a roommate, a sibling, or a boyfriend or girlfriend -- to drive their car regularly, that has to be disclosed to the insurance company and can affect the premiums.

Another issue to keep in mind is that poor spending habits may affect your car insurance rates, depending on what state you live in.