There are a variety of factors that determine the cost of your premium, but you can reduce it in several ways. For example, expensive and high-speed vehicles will cost a lot to insure, so changing your vehicle to one with an excellent safety record will drop your insurance premiums rate. You can also add anti-theft devices and other safety features to lower your premium.
If you have an emergency fund, you can also opt for a higher deductible to pay less in insurance premiums and always ensure your auto insurance coverage does not lapse. Finally, change your driving habits. Cut down on the number of miles you drive, and bundle insurance policies to save even more money.