Discounts: Ask the insurance dealer for discounts. Some insurers offer discounts if you insure more than one car; have an accident-free driving record, anti-theft devices and anti-lock brakes; and for those who have been driving for over 50 years. Most insurers will also give volume discounts if you let them write your car, home, and personal-liability coverage.
Low mileage discounts: Basically, your insurer will charge a cheaper premium if you prove to be within a lower risk class. Some insurers might offer discounts for drivers who drive less frequently than a predetermined mileage, or affinity discounts, such as if you belong to an automobile association.
Claim discount: If you have a good record of a 'claim-free' year, you would be able to negotiate for a premium discount of 20 per cent or more off the following year's payments. Hence, some car owners would avoid making claims unnecessarily.
Car condition: It is important to ensure that your car meets the conditions of roadworthiness. Otherwise, you might not be paid.
Higher deductibles: Deductibles is the amount you pay before you make a claim. By requesting higher deductibles on collision and comprehensive coverage, you can lower your costs substantially.
Update: Each year check the cost of your current insurance coverage with at least three other companies and review your liability limits and deductibles. Coverage for the same car may vary by hundreds of dollars. You must also update your insurers of any changes in details on the form such as type of car, or motoring convictions.