The overall U.S. economy is not experiencing inflation but auto insurance is with rates increasing 6% to 8% per year in the last few years. With the average policy averaging around $900, policy holders need to find ways of getting the best insurance for the least amount of money.

Comparison shop

This seems obvious but people often stay with the same company year after year without checking around for lower rates. The Internet is a very good place to get fast quotes on rates.

Buy the right car

The more expensive the car, the more expensive the insurance. Some cars are also more popular with thieves. Currently, the most stolen cars are the Acura Integra and the Cadillac Escalade SUV. The Integra is popular because its parts can be sold to the legion of Honda Civic owners. SUVs in general are very popular with thieves.

Raise your deductible

You don't want to be making a bunch of small claims that will result in a raise in your premiums so it makes sense to raise your deductible from $500 to $1000. This will take off from 15% to 30% on your premium.

Be over 50

Drivers over 50 years old drive slower and less aggressively. Members of AARP can get special low rate insurance.

Don't have teenagers

If you must have teens and if they must drive, make them drive a used car, not your nice, new one. Lean on them hard to maintain at least a B average because this can lower premiums by as much as 20%.

Have a good credit record

A study at the University of Texas showed that people with the worst credit scores had auto claims 50% higher than average while people with the highest credit scores had 25% lower claims.

Have a good driving record

If you have points on your record, be sure to notify your insurance company when they expire. Most insurance companies give a discount to drivers with a clean driving record.

Don't drive so much

Your rates will be lower if your yearly mileage is lower. Try to car pool or use public transportation when traveling to work.