I'll share 7 tips that will help you get cheaper auto insurance. However, note that they are useful only to the extent you apply them. Here they are...

1. Those who have more than one vehicle will make considerable savings if they insure all those cars with the same insurance company. Howbeit, there are a number of cases where you'll save more by insuring each car with different insurance carriers. You can be sure by first doing a little research before taking this step. But even if you don't plan to shop around, you can be sure that you'll still save handsomely with a multi-vehicle discount.

2. Go for a car that has an alarm system, anti-lock brakes, daytime running lights and any other security and safety feature. Let your agent be told if you have such in place. Such cars are rated highly safety-wise.

3. Reduce the amount of time you spend behind wheels as much as you can. The more you are behind wheels, the higher the rates you get.

4.There is a type of driving called defensive driving. If you have not, endeavor to take a course in it. Apart from making you drive better, you will get lower insurance premiums.

5. Ask for higher deductibles. If you choose to pay a higher deductible, you will get a lower rate. Just note that when you file a claim, your insurer waits for you to provide this amount before they can make good their part of the policy. An auto insurance provider is only under obligation to pay for claims after you pay your deductible.

6. All professions are not equal -- At least from the auto insurance viewpoint. An attorney attracts more expensive rates than a pilot. Statistics, for example, reveals that scientists (due to their orientation and lifestyle) are better risks than all other professions.

Your agent should be able to tell you if your vocation qualifies you for a discount. Take note of the fact that, like many things in insurance, the discount you'll get will depend on your insurer's weighting of vocation as a parameter in calculating a prospect's risk.

7) You might save several hundreds or even a few thousand dollars by simply obtaining and comparing quotes from at least five insurance quotes sites. You'll make savings if you visit only one quotes site. However, you will position yourself to save much more by visiting many more sites. The simple reason being that you'll be less likely to miss great offers.

One of the most common desires of teenagers is acquiring his or her own car. And when they truly deserve it, they do get one. Of course, before you can allow your son or daughter to drive on their own, they must first meet the required age to secure a license. In most cases, being able to secure a license means one thing for teenagers - freedom!

Once you've got your teens their cars, the next thing that you must think about is car insurance. One of the first and most important considerations is the price of the insurance premium. Most insurers charge higher premiums for auto insurance for teenagers. This is because these companies see most teen drivers as being more reckless and accident-prone than adults.

Fortunately, there are ways in which you can lessen the charges for your teenager's car insurance. These factors might help you get a better deal in the future.

1. A spotless driving record. It is essential that you emphasize the importance of observing traffic laws and of having a clean driving record to your teenager. This means that they should avoid speeding tickets and other such traffic violations at all costs. And, while accidents do happen, being more aware can minimize the incidence of one happening. A clean driving record will be awarded with lower premium payments.

2. Look for auto insurance with a greater deductible. The premium payment is usually less for auto insurance that covers a higher deductible.

3. A car endowed with more safety features. It would be more beneficial to get your child a car that has a lot of advanced safety features. Avoid vehicles that fall under the higher hazard ranking class.

4. Follow license restrictions. Teenage drivers need to stick to the restrictions and guidelines that their licenses specify.

5. Get a stand-alone policy. With this kind of policy, your child will be responsible for his own insurance. As a new driver, he will only be allowed daylight driving, a certificate from a driving school, and the like.

As a parent, the most appropriate thing for you to do is to inculcate the value of responsibility in them. Make them accountable for whatever happens to their car. They can even work part-time so that they can pay for one-half of their premium.