1. Comparison shop for auto insurance. Check with at least three companies.
2. Compare your insurance rates about once a year.
3. Get married and get older.
4. Take a defensive driving course.
5. Ask about membership discounts, because companies are not always going to volunteer them.
6. Ask about discounts if you've gone a certain number of years without an accident or ticket. Store your car in a garage or drive less than a certain number of miles each year.
7. If you have more than one car, insure them on the same policy to get a break.
8. Try insuring your auto policy through the same company that insures your home for a break.
9. Pay six months in full, twice a year, rather than financing the premiums.
10. Buy a car with safety features such as anti-lock brake system, alarm and air bags.
11. Move to a "better" ZIP code. Areas where there are more uninsured motorists and more wrecks get slapped with higher rates.
12. Keep your driving record clean so your insurance company is never tempted to raise your rates.
13. Don't buy more insurance than you need. Consider raising deductibles (bank that amount for emergencies) and increasing your liability coverage.
14. Review your insurance policies for duplications. If you already have health insurance for yourself and your family, don't buy personal injury protection.
