Keep a clean driving record. Even one ticket or one car accident can make you no longer eligible for the "Good Driver" discount. Depending on the insurance company, this can be a hefty discount, 10, 15, 20, even 25% in some cases. And that adds up!
When purchasing a vehicle, consider the car's safety features and safety ratings. If you are not sure, go to www.iihs.org the Insurance Institute for Highway Safety for more information. Click "Vehicle Ratings."
Choose a deductible that, while being within your budget, accurately reflects your threshold for turning in a claim. Why carry a $200 deductible if you would never turn in a claim for anything under $1,000? You pay more to carry a low deductible. But a higher deductible gives you a credit. So find the deductible that's right for you.