Increasing the amount of money you pay if you have a claim can greatly decrease your monthly rate, so if you consider yourself a safe, low-risk driver you might be better off with a higher deductible. If you’ve had a few claims in the past, paying more each month might be a financially safer route.
Choose carefully before you buy, some cars are more likely to be stolen than others. Check with your insurance provider to see what the rate is going to be like for the car you’re interested in driving. Also, any car that is considered sporty, high performance, or race-worthy can drastically increase your monthly rate.
If you’re on the phone with a representative from an auto insurance provider, make sure to ask them about any current specials or discounts.