Due to the way car insurance is priced, there's no guarantee of a specific rate. The best way to save money on car insurance
, in my opinion, is to shop around with as many companies as possible to ensure you're getting the best rate. If you are currently without insurance then your rate is likely to be inflated until you reach 6 months of continuous coverage; at which point you will be eligible for a prior insurance discount. Since each company weights factors differently, getting as many quotes as possible
is really the only way to find your most affordable option.