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Hands down, the best way to save money on your auto insurance premium is to be a safe driver. The fewer accidents and traffic violations you have, the more insurers you'll have bidding for your business and the lower their rate quotes will be. However, not all of us have a perfect record, so we need to look at additional ways to save money.

Now is a great time to shop for auto insurance.

Along with the rest of the property/casualty insurance industry, the auto insurance industry is in a soft market. The nationwide average annual cost for auto insurance premiums in 2007 was expected to decrease for the first time since 1999, according to the Insurance Information Institute, a non-profit organization supported by the insurance industry. The institute attributes the more favorable conditions for consumers to a more competitive marketplace, safer cars and aggressive fraud-fighting that has reduced bogus claims.