Here are three quick tips to help you save money on auto insurance:

1. Your driving record as you know is very important.  The better your record, the lower your premium. If you've had accidents or serious traffic violations, you will pay more than if you have a clean driving record.  You may also pay more if you haven't been insured for a number of years.  You should never go more than a year without being insured.

2. The number of miles you drive each year are key.  The more miles you drive, the more chance for accidents, as expected.  If you drive a lower than average number of miles per year, less than 10,000, you will pay far less, often 15% less.  For instance, some companies will give discounts to policyholders who state that they carpool.

3. So where do you live?  Insurance companies look at local trends, such as the number of accidents, car thefts, as well as the cost of medical care and even auto repair.  You would be amazed the difference in costs from one major city to another.  For example, Baltimore to Detroit has a 15% difference in price on average.