Having to pay for insurance that you don’t use frequently can be irritating, but this coverage is essential for those occasions when you do have to file a claim. However, there are still many ways for you to lower your car insurance premium. Here are some of them.
Policy bundles: By bundling your individual insurance plans under a single insurance provider, you might be able to save 15 percent across-the-board on insurance. Everyone wins under this arrangement; insurance companies get more of your business and you won’t have to pay as much for your policies. The most popular bundle in the United States is auto, home and life insurance, but you can include almost any policy in your bundle. 
Fewer payments: Every time you make a premium payment, you will — in all probability — be billed a processing fee. These fees might be only a few dollars, but they accumulate over time. Reduce the amount of processing fees you have to pay by combining payments. If you're able to, pay your whole premium for the year all at one time. Otherwise, try biannual or quarterly payments, instead of monthly ones. You’ll save over time.
Safe drivers: Safe drivers save money. If you have a driving history free from tickets and accidents, your premium will probably be less than that of a person who shows reckless behavior. Insurance companies calculate premium prices in line with the risk level of each driver, so don’t give them a reason to consider you as a risky investment.
Good credit score: If you have a good credits score, you’re likely more responsible than someone with thousands of dollars of debt. Just like safe drivers, people with higher credit are considered by insurance companies to be a less risky investment than those with low credit; these drivers will probably pay less for auto insurance coverage than others.
Discount options: Most insurance providers offer a number of discounts to good students, loyal customers, senior citizens, military personnel, teachers and more. You might not find out about these discounts upfront, but you can always ask your agent to see if you qualify for auto insurance discounts.