By law you must have insurance on your car and truck if you operate it on public highways, so it's something you're stuck with pretty much for life. Now over the course of a lifetime even a minor savings can add up to big money, so that means one thing. That is that you should do everything you can to keep the price you pay for your drive insurance down as low as possible and there are in fact several things that you can do to achieve that.

If you're under the legal drinking age here's something you may not have known. That is that any alcohol-related offense will be taken into consideration by an insurance carrier when they determine your risk factor. Understand perfectly it clear here. That is that even a charge like minor in possession of alcohol when you're nowhere near a vehicle will work to drive up your insurance costs for years to come.

The type of vehicle you drive also weighs in heavily when it comes time to buy insurance, and there are certain cars insurance carriers consider to be higher risk. Sports cars, SUVs, and four-wheel-drive trucks in particular are going to cost you more to ensure. Then if you start to rack up moving violations, the price you pay on your insurance bill will be substantially higher if you drive one of these types of vehicles, versus driving a lower risk car.

Then a great money-saving tip, is to consider taking a driver safety training course because most all insurance carriers offer some type of discount for passing one. It doesn't matter what age you are either but to keep one thing in mind before you sign up and handover the fee to the company that offers the course. That is that you want to make sure that any course you take is recognized by the company you plan on buying your insurance policy from.

Having a clean record with no tickets or moving violations will also for sure help to keep your insurance costs down. Moving violations like speeding tickets in particular really work to jack up to insurance costs, and they stay on your record for years. One thing you may want to do though, if you do get a ticket, is to go to court and challenge it because quite often the judge will reduce it down, if not dismiss it.

Then the last few items worth mentioning here are that it really helps to comparison shop before you sign on with any policy. This is something a lot of people just don't do. Then another thing to keep in mind, is that you may be able to get by with is minimal coverage which is another big cost cutter. Then most all insurance carriers offer discounts if you pay for one years coverage all at once rather than monthly installments.