4. Buy an Older Car
Some insurance companies base their premiums on the average cost to fix a car. Older cars tend to have lower repair costs, and so are less expensive to fix. If you price identical policies for cars of the same model, one being five years older than the other, the older car would likely be about 13 percent cheaper to insure.
Brand new cars are more expensive to insure for three reasons: They cost more to buy, they cost more to replace, and they depreciate faster than older cars. To save money on insurance and on your car too, you can shop for a used vehicle or a certified pre-owned (CPO) car.