[Igovert500]

1) Take defensive driving...that lowers it 10% in many states

2) Pay in 6 month increments...not every month, call your insurance company and ask if they have a reward for doing this...mine rewarded me -$100 every 6 months (they didn't give me this discount until I asked them about it)

3) I got my VIN etched on all the windows, local PD departments sometimes do this for free, otherwise you can get a kit online for $15-20. This lowered it another 3-5%

4) I raised my deductible to $1,000 from 500 (you gotta talk to insurance company, not the bank)

5) Ask if they have a good student discount...and get a good report card/gpa and show it to them

6) Ask if they have discounts for aftermarket alarms

7) Once you turn 18, 21, 23, etc they lower it a bit everytime if you don't get tickets

8) Get married...haha, jk, but not, it really does lower your insurance.

I'm sure I have a few other discounts, those are only the ones I could think of off the top of my head...but literally, they orignally quoted me $5,000 a year, and then it dropped quite quickly.