If you are looking for a way to reduce the amount you are paying each month for car insurance, or if you are looking for an inexpensive car insurance option, you might want to consider dropping occasional drivers from your policy. For example, if you have a student on your policy that only drives a few months out of the year, you might find it is cheaper to purchase temporary car insurance while they are home, and excluding them from your monthly statement. While it may be costly for one month to pay for the temporary car insurance, you will save substantially year round.