With the uncertainty of fuel prices, the costs of transportation have become a serious burden for the average family-especially since one out of three American families own (and fuel and insure) three or more cars. Because of rising costs, more and more people are looking to reduce costs in other areas, including insurance.

While you can't bring down the price of gas, you can do something to reduce your car insurance costs.

Car insurance rates are a reflection of the perceived risk the insurance company takes on when it insures you. If the company sees your risks as higher, then the insurance premium will be higher. If the company sees the risks of insuring you as lower, then this also will reflect in your car insurance premium.

Reducing your insurance premiums is all about doing things to demonstrate that the risk when insuring your car is low.

Tips To Reducing Car Insurance Costs:

. One of the first things insurance companies look for when it comes to assessing your premium is the type of car you drive. Fair or not, different types of cars mean different levels of insurance premiums. The reasoning behind this comes down to the statistics. Different types of cars attract different types of people with different types of risks.

Sports cars, for example, will usually be involved in more accidents than the family minivan. Sports cars are also more likely to be stolen, which also raises insurance premiums.

Your insurance agent can let you know which cars are cheaper, and which are more expensive, to insure. Make sure to consult with your insurance agent when you're in the market for a new car. The right car can lower insurance rates by hundreds of dollars!

. Always look online for a competitive quote. Most of the major players and brokers are represented online and it is extremely competitive. It is very easy to get an online quote, just go to Google and search for car insurance quote and start looking.

. Drive carefully. It may sound obvious but as insurance premiums are related to risk then your manner of driving is related to your insurance premiums. Safer driver equals lower premiums. It may not seem so at the time but those traffic violations or speeding fines reflect in your bill.

These are just a few tips you can do to lower your insurance costs. There are many more. Learn all you can about your insurance company, and do not be afraid to shop around every six months to a year to make sure you are getting the best price.