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Almost every US driver needs to have car insurance to be a legal driver. This is because every state has a law that requires drivers to be financially responsible, and for most of us, being financially responsible means that we need liability insurance. However, just because we need car insurance does not mean that we need to pay too much for it.

You may not be taking advantage of all of the discounts that are available to you, or you may be able to qualify for a large discount by taking some simple steps. Insurers offer discounts because they know that drivers who qualify are less likely to make large claims, and they do pass savings on.

Of course, a good driving record is ideal. If you have not had any accidents or traffic tickets for the last few years, you are more likely to qualify for the very lowest rates. If you have had an accident or ticket recently, then consider taking an approved defensive driving course. You may be able to get a 15% discount, and it is very easy to take these classes. Some or held in restaurants, and they never take more than a few hours. These days you can even take them online, in the comfort of your own home.

If you are a new driver, and have no driving history, you should take a driver's education course. New drivers, especially teenagers, get hit with high premiums. However, some insurers will credit you for taking a course, or even for keeping up a good grade point average. It is very important for young drivers to keep their driving record clean, and a course can help.

If you are thinking about purchasing a new car, or a newer used car, be sure and consider coverage before you calculate how much the purchase will affect your budget. In fact, a newer and safer car can actually lower your premiums. But a high horsepower sports car will be likely to raise your premiums.

If you are not in the market for another car, consider anti-theft devices and safety features. Some upgrades can save you 30% in premiums, so they can pay for themselves in a short time. In addition to saving money, they may save you from an accident and injury, so exploring this option is always worth it!

If you need insurance for more than one vehicle, or if you also insure property, look into discounts for having more than one policy with the same company. Insurers spend a lot of money attracting new business, and they will be happy to serve customers they already have. Find out how much you can save with a multi-policy discount!

Finally, if you have explored all possible discounts and competitive companies, and the premiums are still too high, you can take one more step. You may consider raising your deductible. The deductible is the portion you pay before your insurance starts paying. The difference in premium between a $250 deductible and a $750 deductible can save you hundreds of dollars every year.

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