First of all, do your research carefully. Even if you are currently insured you should always check the rates that the other companies are offering. The competition in the car insurance market is fierce, there are a lot of companies that are trying to get your business, and one of the best ways that they have of attracting new customers is offering better prices than the competition. Some of them don’t have to be generally cheaper than the one that you are currently insured with; they just might have specific deals that would suit your better. Don’t be lazy and do this often, it might end up saving you quite a bit of money.
A lot of companies will offer you ways to lower your premium. The height of the premium is directly related to how much of a risk you present. This is why some companies are willing to reduce your monthly rates if you attend and pass a driving safety course. This can often include using safety equipment on your car such as daytime running lights.
Keeping your driving record clean is one of the best ways to save some money on your insurance premiums. This is not to say that you should only obey the law in order to save some money. Minor offenses will not immediately raise your rates, but if you make enough of them brace yourself for a significant increase. As far as crashes are concerned, all you need is one with moderate amounts of damage to significantly increase your premiums, especially if it was your fault.
If the company that is insuring your car is also the one that insures your house, or something else, they will probably be more than willing to give you a sizable discount. You driving habits will generally have a rather high influence on insurance rates. Some of them are offering premiums based on your mileage. The lass you are driving your car, the smaller will your premiums be as you are less likely to get into an accident.
If you are really interested in saving, you should consider the type of the car that you are driving. If you are driving a flashy and expensive car, it is not only much more likely that it will be stolen, the cost of repairing it after a crash will be much higher. Naturally this will greatly increase the rates. Likewise, if you are driving a powerful car, the insurance company will be considering you a higher risk customer than it otherwise would.