Start driving defensively.

There are many insurance companies that give discounts to drivers who are under defense driving courses. No insurance company would want to insure someone who is always at fault in car crashes he or she gets involved in. In fact, because all states put value to the importance of car insurances, you can check on your state insurance commissioner where to get such courses.

Stick to one insurance company

If you already have house insurance or renter's insurance in one company, inquire about the other insurances they offer. Chances are, they too have car insurance policies. If you stick with them they can absolutely give you discounts which could be as high as 5% to 20%. That's what loyal customers get.

Keep your records clean.

And by records we also mean credit records. Your credit record says a lot about how well you can pay your insurance company. What most insurance companies do is to cross check your credit records and decide on a policy based on what they find out. So, if you plan to get your car insured for what it's worth, you should definitely straighten out your credits rating first. Let's say you are running out of time and need to have your car insured as soon as possible, then try looking for insurance companies that don't do the checking and referencing.

Do a good deed.

Car insurance companies are looking for more responsible drivers. And they definitely have rewards for those who make the world car-crash-free. You can get discounts on your insurance if you teach teenagers how to drive. That doesn't necessarily mean establishing a driving school. Some insurance companies can give you a discount as soon as you report your achievements.

Be safe.

This doesn't just apply on your driving skills but also on your car's safety gadgets. If you install devices that can counter theft, you can have also have discounts. True, if you own an old model, this means that you have to shell out some cash. But this benefits you twice because you do get discounts and these devices are definitely for your own safety.

Pay attention and be wise.

Don't overlook the fact that some insurance companies have special discounts to people who have affiliations to different groups. Do a little research and find out if your insurance company gives discounts based on your affiliation with credit unions or even college sororities. Also, before you get car insurance, check your mileage. Most often than not, your agent will ask you about the distance you cover on a daily basis. Your answer to this question will put you into a class where your policy could be based on. Other than that, you can also get discounts by insuring both your cars or all your other cars at the same time. Sometimes, you can get the price of one for all of them. Or if not, the other car gets a lower price. Finally, if you have a choice, take the one year policy over the six month policy. This means that you won't get affected by rate increases in a span of one year.