Depending on your company and if you are still financing the car, it can be hard. I know raising your Collision deductible helps, and the amount of miles you drive. I got mine cut back a lot after talking to them on the phone. I would suggest you do the same and you just might save some money. I saved over $ 500.00 a year. Good luck !
1) Insurance companies have retention departments. When you get your annual renewal letter call you company to negotiate your fees, especially if you were incident free. They don't want to loose business and low risk clients 2) Most insurance companies will allow you to increase your excess which will then bring down your monthly premium. Only do this if you are a low risk customer or if you can really afford to fork out a large excess should you have an accident or break in at home. 3) If you have got married or are living with somebody and you are registered at your insurance company as single - change it. Married and attached people are seen as more responsible so they tend to have a better premium profile 4) Get a quote for you whole portfolio from an insurance company - vehicle, home contents building etc. A lot of companies will discount better on a portfolio vs one asset such as a car only. 5) Tracking devices normally also have a positive impact on you vehicle insurance, as your vehicle can be tracked if it is stolen and recovery is more likely.
First, look at your driving record. Insurance companies have a 1-3-5 rule they generally go by - charge more if an infraction's within the first year, less within 3, underwrite (make sure you're not going to cause problems) for 5. If you have a DUI on your record, that's going to haunt for for nearly 10 years. Otherwise, there's a few things you can do. Ask your insurance company about affiliations - do they give discounts for being military? How about good driver discounts, or defensive driver courses taken within 3 years? Other things to think about are your deductible - remember, it may be nice to drop the deductible to $1000 for now, but Lord help you if you get into an accident! Location, crime rate, and how much you drive makes a difference. Talk to your insurance company. They want to keep you on, and will go to some lengths to try to help make your rates more reasonable. If you've only been with a company for a few years, give it some time. The longer you're with an insurance comapny, the more they see what kind of driver you are, and if you're a safe driver, they reward that with lowered rates.