First of all, if you choose to pay your premium on a yearly basis instead of monthly payments, you will enjoy a significant discount. It will also allow you to avoid surcharges or administrative fees that you'd need to pay if you are making monthly payments.
Next, if you are a young driver who is under 25 years old, then yes, you are paying a higher premium than the rest of us. This is because most of the auto insurance companies will charge a higher premium to insure younger drivers due to their known recklessness on the road. In order for you to get a discount, you should sign up for a policy that is under your parent's insurance plan. This will prove to be cheaper than getting your own plan.
Other than that, you may also opt to pay deductibles to the auto insurance company to enable you to get a cheaper policy. A deductible is an amount of money paid to your auto insurance provider. If you are involved with an accident, the company will use that money for all initial payments. Normally, the deductible ranges from $100 to $2,000.
Another tip is to keep yourself off the blacklist. Violating road traffic rules such as driving under the influence of drugs or alcohol and fleeing from the scene of an accident can cause the insurance company to categorize you under the high-risk group and this will cost you a higher premium. Car insurance would also be expensive if you have had an accident in the last 5 years. Some insurance companies also offer discounts if you have safety devices installed in your car. If you install anti-lock brakes, airbags and anti-theft device alarms, you can save on your insurance policy.
In the USA, auto insurance rates differ from state to state. You have to find out what is the minimum requirement for a policy in your state. You may surf the net and request for free quotations from these insurance providers. You can then compare the quotes and select one that suits you best.
Keep in mind that you don't have to buy a coverage that you do not require. Many people pay for a complete car insurance policy even though they don't really need it. If you sign up for a complete coverage, you may end up paying for additional protections like bad weather, theft, fire and vandalism. If you live in an area where all these things do not happen often, then you probably do not need such a policy.
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