Drive Less: Drive less and you may qualify for a low-mileage discount. Additional discounts are available on your auto insurance to those who commute or use public transportation during the week.
Increase Your Deductible: Increasing your automobile deductible from $250 to $500—or even $1,000—should make a noticeable difference in your premium. But remember that you will be required to pay the larger deductible up front if you have an accident.
Take Advantage of Discounts: Discounts are available for individuals who complete driver education classes, students who maintain good grades, and for households with multi-vehicle and multi-policy plans. Safety devices like antilock brakes, automatic seat belts, and airbags, along with antitheft devices such as LoJac®, car alarms, and tracking systems may also result in discounts.
Shop Wisely: Cars are rated on a risk scale for auto insurance purposes. In general, sports cars and other high-performance vehicles are classified as higher risks. That means your insurance rates will be higher.