Check to make sure your policy deductibles are not too low. The specifics of your policy and deductibles play a major role in your monthly payment. Do the math, if the difference in your payment is collectively more than what your deductible is over a year and you haven't had an accident in 12 years, chances are you would better changing to a higher deductible to benefit from a lower payment and saving the difference.
Shop The Premium Creep
Consumers who have remained with the same insurer for several years are likely to see their premium costs creep up on both auto and home insurance policies. It Is always best to keep your current company honest with comparing your rates with others in the industry. You can do that easily by clicking HERE.
State Driving Course
Some states, younger drivers are also able to take driver safety courses that will lower premiums. Overall, it doesn't hurt -- and might very well help! If you live in New York, You can find out more information HERE.