Prices continue to rise and there’s very little that can be done about it, but with street smarts and a little research you can save on the bigger expenses. Cheap auto insurance is not so hard to come by as you might think. Here are a few tips on how to do so:

Getting cheap car insurance actually starts with buying the car itself. Pick a model whose overall look and feel you like but that doesn’t catch the eye of potential thieves. That’s a harsh reality right there, yes, which might mean you’d have to pick an older and more common model than a recently released high-performance sports car. Select a neutral color for your car too. It has been shown in studies that those who prefer brighter and bolder colors tend to get into car accidents more, and well, let’s face it: a bright red or shiny yellow SUV, despite the model being common, practically screams, “Steal me now! Hurry!”

Purchase a car that is complete with safety and security features. Take certified driving lessons and maintain a good driving record. These things don’t just ensure your safety as the driver, but they also qualify you for insurance discounts. A pristine credit history will also communicate the message to your insurer that if you can manage to stay out of debt, you can also manage to pay your premium.

If you’re a student or have a student in your family whom you’d like to nominate in your insurance policy, then you could be eligible for the “good student discount” as long as you or that student maintains a B average or higher. Being a member of a certain profession or organization can entitle you to other discounts too, such as if you’re a federal employee or an Alcoholics Anonymous associate.

The last and probably most obvious tip you should follow is to shop around before buying auto insurance. The Internet is a great way to get quotes first and research on the status of certain insurance companies. Don’t just pick an insurer that has the lowest premium, but also pick one with a good reputation and who will take care of you and your car.

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