Choose your car wisely

If you're planning to purchase an auto, think about car insurance before writing a check or signing on the dotted line. Some makes and models of cars will have a greater impact on your car insurance rate, so it's a good idea to check with an insurance agent or website before making a purchase.

For instance, "Sports cars will definitely increase your rate, while a minivan is likely to have little impact," says Michelle O'Connor of O'Connor Insurance Associates Inc. in Charlotte, N.C.