Shop around and compare quotes from multiple insurers
Increase deductibles (only if you can afford the out-of-pocket cost)
Ask about discounts (bundling, safe driver, good student, multi-car, defensive driving, anti-theft, paperless)
Maintain a clean driving record
Improve credit-based insurance score (where allowed)
Reduce coverage on older cars (drop collision/comprehensive if not worth the cost)
Adjust coverage limits and remove unnecessary add-ons (rental, roadside, custom parts)
Review your policy annually and after life changes
Choose lower-cost vehicle options (or trim) when replacing a car
Limit miles or use usage-based/telematics programs if available
Ask about lowering rates for low-risk garaging (address, parking, overnight location)
Take advantage of membership/affiliation discounts (employer, alumni, unions)
Consider paying in full or switching to lower-cost payment plans
Avoid filing small claims unless they won’t raise future premiums
Ask insurers to verify correct details (drivers, address, mileage, garaging, vehicle use)
Maintain continuous coverage to avoid lapses
Consider switching insurers if renewal pricing is significantly higher