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Trade in your sports car for something more moderate vehicle.Sports cars are going to cost significantly more in insurance costs. Sports cars are targets of theft, because they are stolen more often than other cars.When purchasing auto insurance for your teenager, consider your options. In some cases, it would be cheaper for you to get a separate plan for your child, than it would be to add him or her to your current one. Depending on the kind of vehicle they will be driving, it may be cheaper to purchase a separate policy for your teen.Insurance rates vary from place to place based on the chances of an accident or theft, and suburbs and rural areas are generally cheaper than cities.Insurance against uninsured drivers, as well as damage to your car that happens off the road, like in a fire.Get rates from a few different insurance companies before you settle on a policy. You will most likely have to shop around in order to find the best policy and cost for your needs.Think about what type of coverage you need on your auto insurance. Some options will not make sense for your life or situation. You might want to pay for collision coverage if you’re accident prone, though.Remove any other drivers from your car insurance as soon as they stop driving your vehicle anymore. If there are other drivers on your policy, because the insurance company is taking the risk for one less individual.The lowest rate doesn’t necessarily mean the only thing that should grab your attention when shopping for your car insurance.As you see, getting the right coverage for your car is not as difficult as it may seem. Use the advice in these tips to lower your premiums and be able to afford better coverage.Do not switch cars between family members to keep your premiums low. To get a better insurance quote, only have one name on each car.