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Step 1
Tweak the policy. Decreasing coverage helps save money, but may not be an option for you. You can increase your deductible instead - just make sure you have emergency cash in case of an accident. Another minor tweak would be to change your policy from a six-month plan to year-long plan.
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Step 2
Save money on car insurance by installing anti-theft devices. These include car alarms, keyless entry controls, steering wheel disablers, electronic immobilizers and LoJack. Auto insurance discounts are also given for Window Etching (VIN imprints on windows). DIY for under $30.
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Step 3
Give your insurance agent a call. Consumers are constantly asking for more affordable auto insurance. If your rate is already as low as it can go, but still isn't low enough, grab the nearest phone book and start dialing. A number of different auto insurers might offer a similar policy for a lower price.
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Step 4
Combine coverage to save money on car insurance. A multiple-car discount can make insuring two cars less expensive than insuring one! Merging auto insurance and renter's insurance can have the same money-saving effect. Defensive driving courses (6 hours) can also lower the cost of car insurance.
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Step 5
Tell the truth. Even "stretching the truth" about your annual mileage can come back to haunt you. Lying is a breach of contract, which can void your policy. This immense cost is not worth the small-time savings. Honesty is always the best policy when it comes to matters of car insurance.
