Which should come first, the car or the insurance? It really depends on you but before you go and buy that sleek, chick-magnet, expensive red sports car, think if you can afford the insurance that goes with it. Expensive cars are, most often than not, charged higher premium by insurance companies because of the big amount of money that they would be paying should something happen to your expensive car.

Some companies offer discounts, though. Since there is a high competition among the increasing number of insurance companies, they have found ways to entice you to buy insurance from them. If you are on low-mileage coverage then you will probably pay less. Since a lot of people have resorted to driving cutbacks due to the increase in gasoline price ($4), companies have stepped up these programs. GPS has also done wonders to cars and insurance. If your car has a GPS that record driving times and mileage then you can pay-as-you-drive. You can also try for a group insurance if your employer or business group is willing to go for an affinity programs.

More discounts will come your way if you are accident three for three years in driving. Your good driving record will convince your insurance company that you are less likely to get into an accident often and they will not be spending much on you. If you have recently taken a defensive driving course then you can qualify for a cut. Students with good grades are often given discounts because their grades tell the insurance company that they are responsible and will, therefore, handle their cars responsibly. If you are a senior citizen, you can find companies that offer discounts for older drivers much as they offer student discounts. Older drivers are also deemed to be more responsible than younger ones.

Although you are advised not to buy an expensive car, you should also avoid the older versions that do not have airbags, anti-lock brakes and anti-theft devices. Safety gears like the previously mentioned will help you avail of lower premium from your insurance company. If you own a house as well as a car then you can opt for an umbrella scheme where you buy both your home and car insurance from the same company. This will get you discounts like when you buy your internet, cable and telephone services in a bundle from the same company. With these discount tips, you can surely find the car insurance that fits your driving needs.

Remember, car insurance companies also want to make good on their investments. If you can assure them that you are a safe driving and you know all the ins and outs of road safety, they would surely give you discounts. Getting a car insurance is a security not only for you but for the car insurance companies. It is always of mutual advantage if both you and the company are really serious about safety. After all, in the end it is your safety and well being that are at stake here.