To get the best insurance rates possible, do the following things.
Shop around and negotiate
Sometimes you can negotiate a better deal on insurance, but you only have a hope of getting a better rate if you know what someone’s competitors are offering.
Pay off your car as quickly as possible
The sooner you aren’t financing your car, the better your rate will be.
Dispute every citation
Having moving violations on your record will drive your insurance rates sky high, so it’s worth paying more to hire a lawyer to keep those off your record. That costs more in the short-term, but in the long run you’ll be much better off.
Bundle all your insurances
Whether it’s combining all your cars onto one into one policy, or adding your homeowners or renters insurance, the more policies you can group together the better.
Consider dropping uninsured motorist cover
Depending on where you live and how good the rest of your policy is, uninsured motorist coverage may not be worth it. If you’re in a no-fault state then you can probably skip it.