Raise your deductible. The average driver files a collision claim once every three years, and a comprehensive claim once every 10 years. Don't automatically take the higher deductible, however, until you do the math. Completing a defensive-driving course can qualify you for a discount. Pick the car carefully.
Car makes that cost a lot to repair or that are popular with thieves can cost more to insure.
The Consumer Insurance Guide has a list of the most stolen cars. Park your teens in one car. Name teenagers as the occasional drivers of your least-expensive car, and make sure they only drive that car. Get your records straight. Insurers have access to all sorts of personal information, including your motor vehicle record, credit record, and your history of claims with other insurers.