To find cheaper rates, look first in your own backyard. Carefully review your current policy to find sections where deductibles or payouts can be reduced. For example, if you currently have listed a $500,000 personal injury or property damage limit, you may be able to reduce it to $250,000 for a lower premium rate. But only do this if you are a good driver and take special precautions to avoid accidents.

If you feel your current policy cannot be adjusted for a lower premium, browse the yellow pages or the Internet in search of auto insurers who advertise low rates for certain drivers. For example, if you are older than 25, married, and drive less than 15,000 miles each year, you may be eligible for a better insurance rate than your current insurer offers. Get in touch with several companies to compare options and price ranges.

Another option is simply to ask around. Perhaps a coworker, family member, or neighbor knows of an inexpensive auto insurance company that will reward your good behavior and provide a lower rate than you currently pay. Take time to shop for car insurance as you do for other important purchases so you can net the best deal.