Maintain a clean driving record. Your driving record is one of the top factors an insurer will consider when determining your auto insurance premium. To maintain a clean driving record be sure to eliminate distractions, focus on your surroundings, and drive defensively while on the road.  

Maintain a good credit history. Credit is often looked at when determining your auto insurance premium. Review your credit report for inaccuracies, keep your credit balances low, and make all of your payments on time.  

Reduce and report your mileage. Your mileage per year is a significant determinant of your auto insurance premium. Limiting the amount of driving you’re doing can lower your premium.  

Search for discounts. Discounts are typically available, such as good driver or good student discounts. Be sure to discuss your potential discount options with your agent.  

Choose the deductible that best suits your needs. A higher deductible will lower your premium costs since you will have to pay more out of pocket if you file a claim. If you have a reasonably clean driving record, are free of any at-fault accidents and can afford a higher deductible, you should consider talking with your agent about choosing this as your option.  

Bundle your policies. It’s common to bundle multiple policies to save money, such as bundling home and auto. Discuss your bundle options with your agent.