If the accidents have become usual for you - insurance is the only way that can shorten your expenses on a car. It is more real that you will get your insurance only when you have proves of your right behavior on the road. No one looks forward to paying for insurance at all, but having a closer look on the profits of its usage; you may change your mind and look at things objectively.
The payment for the insurance varies, depending on your car model, your age and driving record. You may be surprised to learn that auto insurance premiums differ between different insurers. Therefore, to save money, you should shop around first in order not to get an unreasonable price. Most auto insurance companies will provide you with a discount, if you insure more than one vehicle. Insuring your car or purchasing any other insurance at the same company, you will also get discounts. There, certainly, may be a need to insure your house, boat, motorcycle or simply any other vehicle you have.
You may recognize some characteristics that bad drivers have or you have learned them by experience. Most say they lead very stressful lives, become aggressive listening to loud music, when driving a car, and which of you have not been drinking coffee or eating anything when driving a car? Do you talk on the cell phone while driving instead of pulling off and stopping to talk? Avoiding all mentioned above, you may save your life and, certainly, it will lower your expenses. The results of such unawareness have become everyday sad events in every point of the world. Do not ever forget to insure your health and life - there are still too many people loosing them; very often, the blame is not on them.
Anyway, cautious behavior on roads will guarantee your life safety as nothing else. Driving a car is always risky; try not to cause dangerous situations - your passengers' lives and the lives of the other drivers are under threat. Increase your deductible, narrow the scope of your coverage, and carefully reduce the amounts of certain coverage, consulting your licensed agent first.
You will never loose more than you pay, and you will only reap the benefits of the insurance. Your life, your health and the things you love are worthwhile these expenses.