When you want to cut back on expenses, you should look at ongoing expenses before most one-time costs.
Car insurance is something you pay year in and year out throughout your whole adult life.
  If you can save a couple hundred dollars a year, it's well worth the time and effort you invest now.
Driving record and claims increase your premiums.
Insurance companies know that people who have driven safely in the past are likely to continue to drive safely and have fewer claims.
So if you speed and take risks, change your driving habits.
Get in the habit of allowing plenty of time to get where you're going.
If you have a history of tickets or accidents, take a driving class.
Some insurance companies will give you a discount for that in addition to the savings your clean record will earn you.
Clean up your credit history.
Insurance companies have found that people who pay their bills on time have fewer car accidents.
So take advantage of this knowledge.
Make a budget, pay your bills on time, and live within your means.
Not only will you save money on car insurance, but you'll get better interest rates for cars and real estate.
Choose your car wisely.
Some cars were built for risk taking.
Who do you think is more likely to get into an accident - someone who drives a red sports car or someone who drives an economy car? If you're uncertain about particular models, call your insurance agent the next time you're in the market for a car.
They'll give you a quote for insurance on a few different models.
None of these are things that you can fix this afternoon and enjoy lower costs tomorrow.
Improve your driving and financial habits now, and your most recent history will be good soon and improve with time.
The next time you look for a car, think about insurance before you make a decision.
These changes will make a huge difference in the long run.