1. 增加deductible, 毕竟事故发生的几率比较小，增加deductible，可以降低不少保费，但万一有大事，还是可以cover大的费用；

2.比较：Insurance.com, InsuranceQuotes.com.

3. Sign up for a data-tracking program to lower car insurance premium, such as Progressive's Snapshot, State Farm's Safe & Save or Allstate's Drivewise. 

4. Don't forget to ask your insurer about discounts for home improvements.