We all need a vehicle. North America is too big of a place to get by solely through public transit like you can do in Europe where everything is close together and linked together.

North Americans needs cars!

However if you need a car, you also need car insurance. While driving a car has become so mainstream and ritualized that anyone can do it, it’s still a pretty dangerous activity when you think about it. You’re hurtling around in a metal case at speeds mankind can’t obtain naturally.

Tips on How to Lower Your Premiums

Since it’s mandatory, the only thing keeping car insurance premiums down

• Research! - The number one thing that you can do when you’re looking to lower your premiums is do research. First thing is you want to research various cars. Each make and model offers a different insurance perspective. The more safety features and track records of certain vehicles can make a huge difference. Different insurance companies will usually have tools to allow you to compare various cars. You’d be surprised at some cars which have surprisingly bad insurance rates thanks to volume. If there’s a ton of a car out there, there’s a large number of accidents as well.
• Research Again! - After you’ve finished researching what type of car you want to get, it’s time to research into the various car insurance companies. Each company has their own rates for each car and your situation. It’s not like they want to make it easy on you. Insurance is still a business. There’s a huge amount of variation in rates for different people. So shop around! Check out all of the insurance companies and figure out which one has the rates that you can handle.

• Bundle Insurance - If car insurance isn't the only kind of insurance you need to get, then you can often get package deals that will allow you to save a lot of money. So if you have a motorcycle, boat, house or life that needs insuring, do it at the same time as you insure your car.
• Limit Drivers - If you are part of a family and there’s the potential for some younger drivers (read: high risk drivers) who can be on your policy, that will increase it heavily. If you’re a multiple car family with kids who can drive, it’s smart to choose only one vehicle to have the high risk drivers insured on. That will let you save a large amount of money on the one vehicle.
• Take public transit - Yes, the point of car insurance is to allow you to drive a car. But if you drive it less, you can often get lower insurance premiums. Commuting to work can require a lot of driving. However if you’re in an urban setting where there are public transit options, you can sometimes take those for your commute.
• Drive Safely - I know, what a crazy idea! But really, safe driving is the ultimate way to keep your car insurance premiums low. So show some restraint and be careful as you drive.