unts that will trim a bit off your premium, if they know you’ve gone green too. Look for discounts for driving a hybrid, for opting for paperless statements or electronic payment plans. Even signing your policy with an e-signature can

in insurance history report to see if you've made any claims, and how much money was paid. Although accidents can only affect your rates for the following three years, many companies will look back five or more years, before if they want to offer you insurance. Having more claims will definitely affect that result.

7. Your car makes all the difference. Don't buy that convertible!

Not all vehicles are created equal. Small or large, old or new, the car you drive will affect the premium you pay. Insurance companies use complicated algorithms to determine how expensive it might be to pay you a claim. That'll affect how much your premium will cost.

8. Your kid turned 16? Don't add to your policy – yet.

If your teenager has turned 16, but isn't a licensed driver, you're not required to add them to your insurance policy. You're only required to add 16 year older after they become licensed to drive. That also means you don't have to insure them if they just have a learning permit. But pay close attention to your policy, because some insurance companies may require it.

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