According to insurance.com, the overall car insurance rates rose from $1,810 at the end of 2007 to $1,954 in 2008, they dropped down to $1,803 as of November 2009. The reports further states that November showed lowest car insurance quotes. The decrease followed a .09% decrease from $1,893 to $1,876 between the first and second quarters of 2009.

Sam Belden, vice president of Insurance.com, said: “Car insurance rate decreases in 2009 came as a relief for many consumers. We expect rates to hold steady or continue falling as we enter 2010. It’s a great time to shop for insurance.”

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Ask for a higher deductible: In the event of an accident, the amount you pay out-of-pocket varies, depending on your policy. The higher the deductible, the lower the premium. “Increasing your deductible from $250 to $500 could reduce your collision and comprehensive coverage by 15 to 30 percent,” said Loretta Worters, vice president of the Insurance Information Institute. “Going to $1,000 could save you about 40 percent or more.”

Bundle your auto insurance with your home or renter’s insurance: Many insurance companies offer a discount on auto premiums if they can sign you up for another policy.

Maintain good credit: Many people assume that after getting financing for a new car, no more credit checks are required. But an increasing number of insurance agencies are analyzing credit scores and coming up with a “credit-based insurance score” to help determine rates.

Each insurer considers credit scores differently, so it’s important to ask what impact your credit rating has on your insurance rate. “They’ve found an association between lower insurance credit scores and higher claims filings,” said Jeff Blyskal, senior editor for Consumer Reports.

People with higher scores are likely to have higher incomes and settle fender-benders without filing a claim. Lower income accident victims may have no choice but to file a claim, Blyskal said.

Ask about affinity discounts: Belong to a fraternity or sorority? Credit union? Alumni group? Ask your insurance agent if the organization you belong to is eligible for a reduced rate. Two to 5 percent off your premium can be helpful.

Buy uninsured motorists insurance and additional liability coverage: While it might add a few dollars to your premium, not having uninsured motorist coverage could end up costing you more should you get into an accident and the driver at fault doesn’t have insurance.

As for liability coverage, he advises getting more than the minimum coverage of $100,000 because medical bills stemming from accidents can add up quickly.

“Don’t go for the minimum, don’t cut back there because it can expose you and you’ll have to pay any expense above your coverage,” he said.

Research various vehicles and geographic specifics: Cars and SUVs that are more likely to be stolen will cost more to insure. Certain states are considered “port states,” and a higher number of auto thefts might take place in these regions because it’s easy to ship the cars off to other countries. Insurance could cost more if medical costs are higher in your state, or if there’s more litigation, Worters said.

Some cars are considered safer than others, and therefore cost less to insure. Check the Web site for the Insurance Institute for Highway Safety (iihs.org) for vehicle ratings.

Shop around: It’s never too late to change insurance companies. Even if you’ve already chosen a company to secure the purchase of your new vehicle, Blyskal and Worters advise drivers to look for better deals at other companies because rates vary widely, from hundreds to thousands of dollars for the same coverage. Web sites such as insweb.com and insure.com let people check rates at multiple companies.

Updating information on your insurance policy is important, as life events such as getting married can save you money. Calling your current insurance company and asking about discounts is also a good idea.

According to a poll from the AA, 69% support the proposals for a new offence to be created for drivers who keep a vehicle without insurance.

The survey found that 75% of women, 64% of men and 43% of 18 to 24-year-olds feel positively towards the reform.

These demographic trends could be explained by the fact that younger drivers tend to pay higher insurance premiums than those in other age groups.

Paul Watters, head of AA Public Affairs, said: “Police already do have and do use powers to confiscate uninsured vehicles on the public highway.

“Under new legislation they will also have the power to issue penalties for offending vehicles that are on private land.”

Current estimates suggest that around 5% of UK drivers do not have car insurance, adding around £30 to the typical annual premium of legitimate insurance customers.

Nearly 40 years of car insurance mandates — which the insurance industry says have failed to make roads safer or lower auto insurance costs — raise questions about how well such mandates work.

“Not everyone complies,” said Scott Harrington, a professor of health care management and risk management at the University of Pennsylvania. “The auto insurance mandate is almost everywhere. But it’s not rigorously enforceable.”

David Sampson, president and CEO of the Property Casualty Insurers Association of America, said drivers’ personal financial situations, not the rules of their states, are a better indicator of whether they carry insurance.

States with higher poverty rates show a corresponding rise in uninsured drivers, he said. Simply put, people skirt car insurance when they can’t afford it.

They may do the same with health insurance, so the trick for Congress will be how to enforce a mandate without scuttling the program.

Set fines too low and healthy folks may decide to simply pay them and not buy insurance. But if fines are too high, voters may reject the plan or worry they could end up in jail for not getting coverage.

The House version would fine people up to 2.5 percent of adjustable income by 2017, while a Senate version would fine adults up to $750 a year.

Requiring everyone to buy health insurance can help spread the responsibility for medical costs. With proposed subsidies to help the poor buy into it, the so-called “individual mandate” gets Democrats closer to moving millions of uninsured into coverage plans.