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Step 1
Shop around. There are so many insurance companies out there, it makes no sense to just go with the first one that offers you coverage. Get quotes from at least five different companies before deciding which one to go with. Start out by visiting an online comparison site like progressive.com (see Resources below). Write down the rates you're offered, but don't pick a policy yet.
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Step 2
Call your top three companies and ask what kind of discounts you may be eligible for. Some things that could make your insurance cheaper are if you have an older car, if you're older than 24, if you're a student with a 3.0 GPA or better, if your car has airbags or anti-lock brakes, if you drive less than 20 miles per day, if you're in the military or if you're a member of AAA. You can also get a discount if you have more than one insurance product with the same company.
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Step 3
Choose a plan with a high deductible. Most insurance companies offer a range of options, from zero to $1,000. Going with $1,000 could save you $100 or more a month. Just be aware that this means you will have to pay more out-of-pocket if you're in an accident. Even if it's not your fault, you'll have to shell out your deductible at first to get your car repairs started.
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Step 4
Check your driving record. If you have points on your record, your insurance rate will be higher. However, the points should not stay there indefinitely. Depending on your state, they should come off in anywhere from 2 to 10 years, but sometimes they are left on due to administrative errors. Check your state laws (see Resources), and then contact your local Department of Motor Vehicles to make sure your records are accurate. Fixing a mistake could save you a lot of money.
