Compare rates. “Get as many quotes as you can” online from insurers or from such rate aggregators as AnswerFinancial.com, InsWeb.com, and NetQuote.com. You’ll start getting a lot of e-mails and calls from insurance agents, but the research can “shave hundreds” off your bill.
Raise your deductible. Cost-saving adjustments should start with your deductible: “Push it up to $1,000”—unless you truly can’t cover that amount out of pocket.
Cut excess coverage. Don’t pay for rental-reimbursement coverage if you can do without a car if yours is ever laid up. If your car is older, drop comprehensive coverage when the annual cost “equals or exceeds 10 percent of your car’s book value.” If you have good health-care coverage, consider cutting coverage for personal injury and medical payments.