Shop around and compare rates regularly
If you don’t compare rates every once in a while, you’ll never know if you could be paying less.

Increase your deductible
The higher your deductible, the lower your premium.

Insure your home and your car with the same carrier
According to the Insurance Information Institute, a multi-line policy can save you up to 15 percent on both premiums.

Pay your policy in a lump sum
Extra administrative fees are often applied to payments when you split your premium into installments (e.g. monthly, quarterly, etc.).

Take advantage of good driver discounts
If you haven’t had any accidents or tickets in the last three to five years, you’re probably eligible.

Don’t overpay just because your record isn’t perfect
Many companies specialize in insuring different types of drivers. If you shop around, you might be surprised at what you find.

Look for a safe vehicle car insurance discount
Many car insurers offer discounts for various safety features on your vehicle, including air bags, alarms, factory-installed mechanical seatbelts and antilock brakes.

Pay less when you drive less
Many car insurance companies will offer discounts on vehicles that incur low annual mileage.

Take advantage of good student or senior discounts
Many companies feel conscientious students and experienced senior citizens make conscientious drivers.

Don’t pay for coverage you don’t need
If you don’t keep a close eye on the details of your car insurance policy, you could end up paying for things you don’t need. For example, you may be a member of a car club that provides roadside assistance yet also pay for towing on your car insurance policy.