Insurance is a competitive industry, and insurers change their rates over time. Make sure you have the best deal you can get each and every year. Put multiple vehicles on the same policy. Many insurers offer family discounts for insuring multiple vehicles on the same policy. Check out defensive driving courses.
Some insurers provide discounts if drivers brush up their skills.
Buy vehicles with safety devices. Check on security savings. Alarms or anti-theft devices may qualify for insurance discounts. Stay on the good side of the law. Insurers look to see if you have a blemish-free driving record and reward you with lower premiums if you do.