How much you pay for a car insurance policy has a lot to do with factors beyond your control, such as your age or where you live. But there are also several things you can do to rein the number in. These fall into two broad categories:
- Changes to your policy. For instance, you can raise your deductible, drop collision and comprehensive insurance, negotiate with your carrier for a lower rate, or just switch to another carrier entirely.
- Changes to your behavior. Obviously, you get a lower rate if you avoid accidents. But you can also get discounts for improving your credit score, getting good grades (if you're young), taking a defensive driving course, or paying your bill online.