I am not going to lecture you about being a safe driver and all the
other stuff you already know! I will tell you there are a few ways to
get a break on car insurance besides maintaining a perfect record. One
is most insurance companies will give a discount if you complete a safe
driver course and of those that do most will pay for the course. Also
make sure to inform your insurance company of all stand out safety items
like side air bags, reverse cameras etc. as these are often reason for a
discount as well. Do not forget to tell them about theft deterrents like
onstar, car alarms, low jack, gps etc.
Make sure to shop insurance rates just like you would shop for a car or
a loan. Get several quotes and see who offers the best coverage for the
lowest amount. I know some people have been with their insurance company
for years so the feel obligated but if you can save several hundred
dollars a year why stay!
Insurance.com is a great place to get quotes as they actually have
insurance companies compete for your business and it cost you nothing
for a quote!