1. **Shop around:** Different insurance companies may offer different rates for the same coverage. Take the time to get quotes from multiple insurers and see if you could get a better deal elsewhere.
2. **Raise your deductible:** If you’re willing to pay more out of pocket in case of an accident, you can lower your ongoing premium by raising your deductible.
3. **Bundle your policies:** Many insurance companies offer discounts if you get multiple types of insurance from them. If you have homeowner’s insurance, renters insurance, or another type of insurance with a different company, see if you can save by bundling them with your auto insurance.
4. **Take a defensive driving course:** Some insurers will give you a discount if you complete a defensive driving course. Check with your insurer to see if this is an option.
5. **Review your coverage:** If your car is older and not worth much, you may want to consider dropping comprehensive or collision coverage, which pays for damage to or theft of your car.
6. **Check for discounts:** Ask your insurer about any potential discounts you might be eligible for, such as safe driver or good student discounts. These could significantly lower your premium.
7. **Maintain a good credit record:** Many insurers use credit information to price auto insurance policies. Improve your credit – by paying bills on time, not