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Florida insurance companies make quite a bit of business. Insurance applies to just about everything, from employment to medicine to life. Whether you need California or Florida auto insurance, take care of the matter ASAP—it’s a necessity and required by law if you plan on driving.

While Florida insurance agents might be making good business, insurance can be very costly to the average citizen. Auto insurance tends to be one of the more costly forms of insurance, especially for those who aren’t so cautious while driving and experience fender benders on the regular. Here are a few tips for keeping your car insurance fees down.

Safe Driving

Probably the most important and obvious of steps is to drive well. Maintaining a good driving record—which means little to no tickets or accidents—will save you quite a bit of money. No insurance claims or traffic tickets for 36 months can qualify you for a reduced premium. Drivers over the age of 50 with a relatively clean driving record are also eligible to claim a rate reduction.

You may also consider equipping your car with safety gear. Approved alarm systems or other deterrents will get you anywhere from five to ten percent in savings. Driver and passenger side air bags might qualify you for a discount. Of course, air bags will potentially save your life as well.

Smart Choices

Certain choices you make can also keep your insurance costs down. The car you choose to buy can make all the difference on how much you pay for insurance. Expensive, high-performance cars are fun to drive and look good, but they tend to cost a lot to repair. Insurance premiums for these high-performance cars could be two to three times higher than more inexpensive cars.

It might also be a good idea to carpool or take public transit. It turns out that drivers that drive under 7,500 miles a year qualify for a discount. Reducing your use of a car may also trim your premium.

Teen Drivers

Insurance tends to shoot through the roof for teenage drivers due to lack of experience, bad driving habits, and statistics showing they are more likely to get into accidents over more mature drivers. Good driving, as with any driver of any age, will eventually lead to lower insurance costs. As a parent, enforce rules to ensure your teen drivers pay attention to the road and avoid accidents—and lead by example.

Along with good driving, many insurance companies now offer high discounts for teens with good academic records, which means even more incentive to get good grades.