Different factors like age, gender, location (zip code), and even how well you do in school can affect the amount you pay for car insurance. Young drivers all over the country are now learning new ways to keep insurance costs down in order to pay for other things, including college tuition, rent, and groceries.

Here are some things you can practice to help lower your car insurance:

• Don't talk on your cell phone and drive.
• Big distraction
• Causes accidents all the time
• Pull over to talk or wait until you stop
• Don't text and drive.
• Keep your eyes on the road at all times
• It can't be that important
• Talk to that person later
• Don't drive with the music too loud.
• Huge distraction
• Can prevent you from hearing horns or sirens from other vehicles
• Can be harmful to your hearing health if too loud
• Don't pack a bunch of friends into your car.
• Too many distractions
• Extra weight means extra wear, tear, and gas
• Only take one or two friends along at the most
• Keep you car maintained.
• Prevents accidents
• Prevents breakdowns
• Prevents flats and blowouts
• Increases gas mileage
• Don't eat and drive.
• Eat in the restaurant
• Eat at home
• Pull over and eat
• Eat later
• Don't be an aggressive driver.
• Keep calm
• Don't use profanity to other motorists
• No rude hand gestures
• Big distractions
• You don't know how crazy the other person is
• Don't drive when you are too tired.
• Pull over and sleep
• Stay home
• Call someone else to take you
• Call a cab
• Invest in a car alarm system and keep your vehicle locked and secure at all times.
• Cheap upgrade
• Ease your mind
• Keep valuable stereo receivers, GPS systems, and MP3 players safe
• Prevent your car from being stolen

And of course, never ever ever ever drive drunk or high on drugs!
If you are under the influence, stay put, call your parents or a friend or call a cab!