I want you to imagine this scenario. Your kid has just passed his/her driver's test and recieved their license. As a gift for passing, you take them down to the local car dealer so they can finally have a car of their own (and you don't have to go get the groceries anymore, nudge, nudge, wink, wink). However, as you pick out a car to purchase and go to pay for it, you remember that each car must have car insurance. Upon investigating, you find out that insurance is just a little too expensive for your budget. You take your heartbroken kid home, an unused and unneeded driver's license in their pocket. Or... you can do your research and find out how to cut the cost of insurance.

"But if I get cheap insurance, it won't cover as much, right?" Not necessarily. When you read over your car insurance statements and contracts, you'll find that there are lot of things that you pay extra for that are just stupid. For example, you may find that a moose attacking your car is covered and the insurance cost is a little bit higher because of it. Uh, even if you happen to live in a state where the moose population is large, it is highly unlikely that a moose will attack your car. They'll usually run away when they hear you coming from a mile or two away. When you find stupid little things like that, ones that have a very low chance of ever occuring, it's okay to cut them out. All they are doing is running up your bill. If you are absolutley sure that you don't need things like that, then don't be afraid to cut them out to cut costs.

"Okay, but even if I do that, I still have to pay way too much for good car insurance." Wrong again. Stop guessing things kids, and let me educate you. Cutting costs in the little areas is only one slice of the pie. There are many things you can do to save on car insurance. Like switching to Geico. Just kidding, this article applies to all insurance companies. Let me stress something. Insurance companies do not want you to have accidents. No, they don't have hearts after all, they just don't want to pay you. This means that many of them will offer you discounts if you go so long without having an accident or even a little fender bender. These discounts may not be very much, but every little bit counts.

"You need to tell us more! We don't know how to find these discounts!" Sure you can. Everything I told you can be done by an exceptionally smart monkey. If you need help, many insurance companies will compare their rates to other insurance companies. I would suggest finding one with a cost in between too much and too little money. Then use the techniques I have just taught you to help minimize the costs of this insurance. Good luck, kids!