This is a common question that we all have had when looking at how much we have to pay on our car insurance statements. Thankfully, there are quite a few things that you can do to lower your premiums that you can do on your own!
The first and foremost has to be: drive safe! By driving safe you are reducing the risk of getting a ticket (Which usually raises your premiums), and better yet reducing the risk of getting yourself into an accident! By keeping a clean driving record you will qualify for lower rates, and companies will be more willing to insure you!
Another way to lower your rate would be to share a policy with someone you live with, for instance if you live with a spouse who has a stellar driving record then sharing a policy would most likely lower the overall rate! But like all other things, always do the math and find out if this is the best route for you to take!
You can lower your rate by always maintaining your coverage, with absolutely no lapse in policies (This means not even for a day!), and by paying the premium in full at the beginning of your policy. Doing this shows your insurer that you are reliable, and this goes a long way with saving you money with your premiums!