Having a clean driving record can help you pay less for insurance. However, if your driving history is less than stellar, you still might be able to reduce what you pay. Shopping around for insurance instead of settling for the first policy you come across can prove cost-effective in the long term. Asking potential insurance providers if they have any discounts can lower your rates. Providers might offer you paid-in-full, multi-policy, and prior insurance discounts. You could also ask if a cheaper payment option exists. For instance, an Electronic Fund Transfer (EFT) option could yield savings.