Shop around. Check out multiple car insurance companies offer before settling. For the most current information, visit the J.D. Power and Associates website for ratings. The more you research, the better choice you'll make.
Increase your deductibles. Paying a higher deductible can save you anywhere from 20 to 40 percent on your policy.
Concentrate on your credit score. More and more, car insurance companies are using your credit score to determine your premium. Avoid lapses between payments, and you can avoid unwanted increases in your rates.
Dig deep for discounts. Many car insurance companies offer discounts for a number of reasons. Don't be afraid to ask your provider what they can do for you.
Calculate an estimate before you purchase your car. If you're in the market for a car, whether it be new or previously owned, do your insurance research before you sign the dotted line. The type of car you drive really does affect your rates.
Nix the comprehensive and/or collision coverage on older vehicles. If your car is worth less than $2,000 then you'll end up paying more for your coverage than you would collect on a claim. As a general rule, older cars don't really need much more than liability insurance.
Pay annually. Installments usually increase your overall bill. When possible, pay your yearly coverage in one lump sum.
Be an upstanding driver. From here on out, try to keep your driving record clean. In many cases, insurance companies cut deals for customers that have had an accident-free and violation-free record for at least 39 months.