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Car insurance is a big expense for anybudget.

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News & World Report, the national average car insurance rate for good drivers is $2,068.

These high-risk policies can cost two to three times more than a regular auto insurance policy.

Your age may also impact your insurance rates.

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Paperless billing usually results in a discount regardless of driving history, Musson explained.

Being a military member will often help drivers get a discount.Bundling home and auto insuranceusually results in a discount.

For example, increasing your deductible from $500 to $1,000 may reduce your premium, he said.

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Choose economical models like Toyota Camry, which have lower repair costs and insurance rates, Malloy said.

Just verify that your policy still meets your states minimum car insurance requirements.

Even though car insurance companies use similar factors when calculating rates, they use different calculations, Musson explained.

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Take the time to shop around and compare quotes from multiple insurance companies.

A bad record doesnt last forever, Musson said.

Start driving carefully, avoid making claims, and within three years, you should seemuch lower premiums.

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