1. Some things are hard to change: The price of your insurance is controlled mostly by a few uncontrollable variables. Their age, sex, marital status and all affect the rate it pays for insurance companies justify statistically different amounts of charge to drivers on the basis of these personal criteria. You can not really do much to change this – and I would favor his girlfriend just to get a better rate.
2. Sell yourself a little better: Other determinants, such as where to park your car, your driving record and your credit rating can affect the price you pay for auto insurance. Living in a low-crime neighborhood can reduce the amount you pay. Safe drivers are rewarded with lower insurance rates because the insurance company hopes that a driver who has proven to be a safe driver in the past will probably continue to drive in a similar manner.
3. Good pay credit: A stumbling block for many consumers is that insurance companies now adjust their rates based on their credit history. Good credit pay lower insurance rates, however, if you have bad credit, you may pay a little more.
4. Get the legal minimum coverage: The amount and type of coverage you can perform and has a great effect on the price they are forced to pay. A large full coverage policy costs much more than carry minimum liability coverage permitted by your state.
5. Liability Insurance: Most states require that carry at least liability insurance. Liability insurance is designed to pay for the damage caused when you have an accident. Do not pay for repairs to your car or to pay for medical coverage if you are injured in an accident. If you are trying to obtain insurance coverage at the lowest rate possible, car owners have the option of taking insurance coverage liability only. However, if there is a lien on your vehicle, you are required to carry full insurance coverage against liability only.
If you’re buying the lowest price available on Vehicle insurance, you should consider obtaining liability insurance only at the minimum level allowed by your state. Remember, however, that liability coverage only covers the other party must be the fault of an accident. It will not cover the cost of repairs to your vehicle if at fault.
Source from: http://www.theinsuranceblog.net/insurance-tips/how-to-get-the-car-insurance-on-a-budget/