No. 1 Comparison shop. Use consumer information provided by your state's insurance department. If you use an independent agent, ask if he can offer you a better rate with one of his other companies. Ask for higher deductibles. When you file a claim, a deductible is the amount of money you pay before your insurance company kicks in.
Higher deductibles mean lower premiums.
Your bank can tell you how much your car is worth, or check out the Kelley Blue Book . Cars that are expensive to repair or that have a high theft rate generally have higher insurance costs. Take advantage of low-mileage discounts. Some insurance companies offer discounts to drivers who put fewer than a predetermined number of miles on their vehicles each year. No. 6 Consider insurance cost when making a move.