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If you have more than one car, you may qualify for a multi-car discount if both cars are on the same policy. Ask about any other discounts you may qualify for. There are discounts for being a good driver, age specific discounts, low mileage driving per year and discounts for taking a defensive driving course. If you are a student, you may qualify for student discounts. You may also qualify for a discount if your car is equipped with an alarm. Driving a low-profile car can actually save you money on your car insurance. Rates are typically lower for cars that are not targets for theft. Sports cars and SUV rates tend to be higher than a simple compact or sedan. Cars that are expensive to repair can also increase your insurance rates. Before purchasing a car, a call to your insurance agent with the specifics of that car would be prudent. Your insurance agent can quote what the insurance would be for the particular make and model you are looking to buy.
Affiliation with professional organizations such as Automobile Club of America can help lower your car insurance rates. Do you work for a large organization? Ask your employer about group insurance rates the company may have.

Are you renewing your policy? If so, check to see if your insurance carrier offers a discount for renewing with them. If you have had your insurance through the same carrier for an extended period the likelihood of getting a discount for renewing with them is good. Most insurance companies will offer a renewal discount because they want to keep your business. Comparison shop. Yes, you have been with your agent for a long time, but loyalty does not put money in your bank account. Shop around. There are many places online that allow you to compare cheaper insurance quotes for your car that will be lower than what you have yet still giving you the same coverage that you are paying more for. Just be sure the company you choose is a reputable company to avoid any potential problems that may arise.

Are you renewing your policy? If so, check to see if your insurance carrier offers a discount for renewing with them. If you have had your insurance through the same carrier for an extended period of time the more likelihood of getting a discount for renewing with them is good. Most insurance companies will offer a renewal discount because they want to keep your business.

Comparison shop. Yes, you have been with your agent for a long time, but loyalty does not put money in your bank account. Shop around. You may be surprised at some of the quotes you will get that are lower than your current premium, yet still giving you the same coverage that you are paying more for. Just be sure the company you choose is a reputable company to avoid any potential problems that may arise.