Shop around and compare quotes from multiple insurers
Increase your deductible if you can afford the higher out-of-pocket cost
Bundle auto insurance with home, renters, or other policies
Maintain a clean driving record
Improve your credit score where allowed by law
Ask about discounts for safe driving, good students, military, or low mileage
Drive less and consider usage-based insurance if you have low annual mileage
Choose a car with lower insurance costs
Drop coverage you no longer need on older vehicles
Review your policy regularly and remove unnecessary add-ons
Pay your premium in full if it qualifies for a discount
Set up automatic payments or paperless billing if discounted
Take a defensive driving course if your insurer offers a discount
Keep your vehicle secure with anti-theft devices
Update your insurer if your circumstances change
Avoid filing small claims when possible