One of the best ways to keep your car insurance costs low is to maintain a good driving record and compare prices before buying a car. Life events such as reaching your 25th birthday or getting married can also lower your premiums. You can get better rates if you combine several types of insurance, such as car and homeowners insurance. Ask your insurance agent about discounts you may qualify for, such as those for certain professions, alumni associations, carpooling, owning a hybrid car, or having a low-mileage.
If you're still struggling to pay for your policy, consider changing insurers. Driving an older, cheaper family sedan will save you money on insurance compared to a newer luxury SUV or high-performance sports car. Expensive cars, sports cars, and cars with high theft rates are more expensive to insure than cheaper and less risky vehicles. Finally, make sure that your coverage still meets your state's minimum insurance requirements and compare insurance providers before choosing your plan.