Today people are looking for any possible way to cut down their expenditures. And even those types of expenses that have been regarded as fixed in the past are now reviewed for any possibility to reduce the outflow of money from the family budget. We are talking about insurance.

In 2008 the average cost of insuring an auto has been reported to be fairly stable with a 2.5-3 per cent increase in different states. However specialists state that there are always ways to cut down your auto insurance expenditures only if you know how to do it.

Industry specialists and experienced consumers suggest that there are numerous ways to reduce your car insurance expenditures. And while some of the techniques apply for all drivers, others may be useful only to limited group of car owners, such as senior citizens or families with teenage drivers. Besides, not all techniques can be equally effective and some of them will give you significant reduction while others will save up just a bit. Nevertheless, you should consider all of the available options and go with the one you think will really help you cut down your expenditures.

Here are the main auto insurance saving techniques divided into four groups:

All drivers

* Keep track of your mileage.
* Get as many car insurance quotes you can.
* Keep your credit score clean.

Teens and seniors

* Go to a driving school.
* Walking is good for teens.

Risky drivers

* No-go for no-fault.
* Slam brakes on collision.

Reliable old techniques

* Raise your deductibles.
* Apply for all the discounts you comply with.

And remember that one of the most important and effective ways of getting good rates is to shop around. Get numerous auto insurance quotes from as many companies as you can and you will see how the prices differ for the same set of services.