The most important thing to do is shop around. You can phone insurance agents/companies or contact them online. How many should you contact? I’d say at least 3, but more is better. My dh recently checked with 10 different companies to get a new furnace/AC in our house. I thought that was excessive, but we paid about $3000 less than the highest bid. The offer we chose was from the last contractor he talked to. And we got the best equipment from a dealer with a great reputation who had been in business the longest. We’re very pleased.
Information from the linked article about getting discounts:
“Do you not drive that many miles, have a squeaky-clean record and have taken a defensive driving class? Some insurance companies will give you discounts for having a good driving history, which will translate into cheaper car insurance. Before you go with an insurance company, check out what discounts it offers. Installing an anti-theft device, antilock brakes and air bags in the car are some things insurance companies will highlight for a discount.”
Some car insurance policies will give you a discount if you watch a defensive driving video at their office (usually takes about 30 minutes) and/or if you have good grades in school. It doesn’t hurt to ask.
Be sure to keep good notes when comparing the companies, including their phone numbers, address, and website url.
Click title for link at Bankrate. There is one more article in this series & I’ll post it soon.