- Obey the speed limit or at the very least stay within 8 miles per hour of the posted speed limit. I have a few cop friends and they have told me that they and most police give a 10 mile per hour speed cushion before issuing a citation. If you get a moving violation, it will affect your record negatively in most states and eventually trickles down to the insurance report and results in increased auto insurance rates.
- Drive safely on the roads. Nothing will have a greater negative impact on your driving record like an auto accident will! If it is your teen getting auto insurance for the first time you may want to create a sort of incentive program for them. Let them know that they will get $100 or something that is rewarding if they drive safely for six months or one year ... The hundred dollars may seem to be a but much but try paying double the current rates for your teen if they were to get in an accident.
- Use safety features in your automobile. Some of these features may include: dual sided air bags, side air bags, driver side and passenger side restraint and/or airbag system, etc... Insurance companies love these safety features and will often provide a 10% to 20% reduction in your current auto insurance rates.
Ps: I wonder if some of you can do that. I know its not easy. :)