If you goto college sometimes that will change your insurance rate, because your car is parked (essentially "stored") in a given town for a significant period of time each day. You can try to swing that route.
I used to goto umass amherst and when I did my insurance was a bit higher. Im assuming this was due to the 18000 plus students in such a small area, and the fact that half of them can barely drive.
If you have a winter car some insurance agencies will calculate coverage by the percentage of time you drive a given car, or who the given driver was/is. I got around a rediculously high insurance cost on my first car because I was only listed as a "part-time driver", even though it was my car. I was registered under another car as well, hence the part time status. Having a winter beater can help.
I used to work for Enterprise (enterlies), so if you have any other insurance related questions when it comes to rentals and accidents and all that crap, feel free to send me a message. I know all the dirty tricks.
-Damon
