1. Always maintain a good driving record.2. Never accept the first estimate you receive. Be wise and check comparisons of different insurance providers at your state insurance department website or phone them.

3. Complete a market survey well before you select a car make and make a comparative table of insurance and other hidden costs.

4. Choose to have higher deductibles this will reduce the burden by at least 15-25%.

5. Consider availing the insurance from the same company that has you covered for home, accident, or life. Many companies offer concessions to clients who have more than one kind of policy.

6. Most policies are based on your personal credit record. Having an unshakeable credit history can lower costs.7. Avoid duplicating medical coverage. Find out ...