If you suffer from sticker shock every time you open up your auto insurance bill, then it's time to consider ways that may help reduce the cost.
Quite simply, being a good driver is one way to pay less for insurance. Insurance companies generally look at the past three years of your driving history. A minor traffic infraction can potentially impact your rates.
The type of car you drive also plays a role. If you're shopping for a new car, call your insurance agent and get an estimate of what your premium might be. If the car has a low risk of theft and has the latest safety gear, you may get a break.
Other ways to save: most companies offer multi-policy discounts if you have the same company carry more than one of your insurance policies; students may be eligible for "good student" discounts; and you can raise the deductible, which is your out-of-pocket expense on a claim.
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