Don't buy unnecessary physical damage insurance. For instance, the premium for collision coverage on an older car may cost more than the car is worth. Increase the amount of your deductible when purchasing physical damage coverage. Higher deductibles will reduce your premium, so decide how much of a loss you can pay and then choose your deductible accordingly. Have every youthful operator in your household complete a driver education course approved by the State Department of Education or other responsible educational agency.
Most high schools offer such courses.
If you own two or more cars and you insure them with one company, you may be entitled to a multi-car discount. Compare the price and service offered by three or more companies. Try to find an agent who's interested in saving you money, and in protecting you when you need help. After you choose an insurance company, there are other things to consider. If you sometimes drive outside the area where you bought insurance, you might have an accident and need to contact the company right away.