Other common ways to enjoy discounts with regard to automobile insurance include membership with certain organizations and groups. Consult with your insurance provider to know for sure what discounts may be offered or made available. Another often-overlooked way of saving money on automobile insurance is to simply choose carefully when purchasing a car. Car insurance rates can vary widely based on the type of car that is purchase. Obviously, a high-performance vehicle that is intended for speed and sport will typically result in higher insurance rates.