Drive a cheap car, it's cheaper to insure - The thing is, if you might struggle to get even a small down payment together on a new car in the event of an accident, then it's probably worth keeping the collision cover on your older car to give you something to fall back on.
If you want to read all 5 tip, check out:
http://ezinearticles.com/?The-5-Worst-Tips-to-Getting-Cheaper-Young-Driver-Car-Insurance-Youll-Ever-Read!&id=3559644
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