Don't buy incidental coverages. If you have adequate medical insurance, consider skipping the Medical Payments Coverage. Memberships in auto clubs sold by agents often are of little value. Check out different companies. Choose the right car.
Insurance companies give discounts for certain cars and add surcharges for others.
Ask for a list of discounted or surcharged cars. Beat the ratings game. Sometimes the young age factor can be cancelled if you are married, so be sure your agent knows that. If you car-pool or take the bus to work, be sure your agent knows. Policies can offer special coverage for limited life insurance, disability, towing, and theft insurance.