There are several ways you can lower your premium with The Hartford: - Maintain a Clean Driving Record - Take a Defensive Driving Course - Improve Your Credit Score - Drive a Hybrid or Electric Car - Bundle Your Home & Auto Insurance Policies - Pay Your Premiums in Full - Set Higher Deductibles on Your Car Insurance - Become an AARP Member You should check if you are eligible for any of the discounts because the savings can be considerable.