 educate yourself on ways to qualify for a discount. It may mean that you could pay for a full year versus monthly. Maybe you've got a security system, a new security system in your house. Maybe you take a defensive driving class. That might lower your auto insurance. Another way to lower your auto insurance, we are driving cars much longer these days. And maybe if you've got an older car, you might want to consider dropping your collision and or the comprehensive coverage system.