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Details Always provide as much details as possible, if you omit some details then the quote will be based on the worst case scenario for every missed detail. Get the best quotes by giving every bit of information you have Shop Around Car insurance quotes can vary wildly depending on the insurer. You should always shop around and get as many quotes as possible so you can get a picture of what you should be paying. Caping the Miles Some insurers will actually lower your quote if you agree to limit the distance travelled by the car. Most of the time substancial reductions can be offered if the driver agrees to not drive over 40 miles a day. Check with your insurer. Anti-Theft Device Most insurers will reduce your premium if you actually install an approved anti-theft device onto your car. Sometimes the deductions are as such that you can recoup the expense from a years savings in premium.