Are you a young male student with a hot car ready to burn throughout the campus on a mission to live fast and look good while doing it? This sounds great unless you are paying for auto insurance. Auto insurance is the price you pay to protect yourself, your passengers, and your car against unexpected losses. It's required by law.

Auto insurance companies have a natural enemy and that is males under 25 with sports cars. In many systems, every car is given a rating symbol between 1 and 27; the higher the rating number, the more costly the premium. This means high premiums for you, add a D.U.I (driving under the influence) speeding tickets as well as a previous accident and depending what state you are in you could be looking at $10,000 and upwards for your yearly premium.

Why males? Is this not discrimination? It is discrimination but justified discrimination based on statistics not prejudice which is the case with racism and sexism cases. Males under 25 drive more; have a higher rate of accidents and higher levels of dangerous behavior behind the wheel. Insurance companies have significant data that states these facts and feel justified in the large amounts charged for vehicle insurance premiums for this demographic. Women under 25 also have to pay higher premiums than older women so this article can assist you as well.

There is hope though but you must do some work to get lower premiums. Following this list of advice may take some time but the money saved is a fortune compared to that.

• First of all take a defensive driving course, check that the course that you enroll is approved by your auto insurance provider. This will shave money off your premium.
• Another way is to select higher deductibles. A deductible is the amount you pay before your insurance carrier pays any claim. The insurer assumes if you pay a higher deductible that means you will share some of the costs if you have an accident that you will be more responsible with your driving. Make sure that your deductible is not so much as that you can’t afford it if an accident happens.
• Buy a cheaper car. This may hurt but if you want to be able to afford your premiums this is essential. An expensive car will be more to insure.
• Live at home with mom and dad. You may get your laundry done, meals cooked, cheap rent and also register the car in their name. Huge savings.
• Cut down on mileage. Prioritize your mileage, the more you drive the more you need insurance and the more you pay.
• Pay your bills on time. Your credit history will be checked by the insurer. This is standard practice in all but two states (California and Maryland).
• Buy a car with an alarm system, anti-lock brakes and any other safety or security feature. Let your insurer know this though.
• This one is great- get good grades in school. Yes it pays already and it shows that you are generally more responsible.
• Get quotes from various sites. The more quotes you request the better deal you will get. So check a range of quote sites online.
• Also check directories here you can get reviews of insurers, address and even contact through the latest social network sites such as twitter and face book.