It could be because you live in a high risk area such as New York City, or maybe your car is expensive to fix. Whatever your situation there are ways to get cheaper insurance rates.
Getting all of your insurance needs from one company can often save you money. Find an auto insurance that also offers life insurance, homeowners insurance, or whatever other type of insurance you may use to protect yourself, your family, and your marriages. Auto insurance is mandatory by law for any person driving or owning a car and life insurance and such is a great way to ensure your family is taken car of as well as yourself. Most companies will offer a great discount if you receive all your policies from them at the same time.
Another great way to save money on your auto insurance is by getting your rates online rather than paying an insurance broker or having to go to a company's office. Filling online is simple, quick, and often offers lower rates. Many companies do offer a slightly lower price when getting a rate online and it is also the quickest way to get a rate for your auto insurance.
Sometimes but not always larger companies offer better prices. They have a larger customer base allowing to give better discounts. Companies such as Geico usually offer better prices than a private insurance company or smaller one because they can afford to.
There are many cars that auto insurance companies find to have a low risk car and offer much cheaper rates. Many car sales places will give you a list or idea of what those cars are and may even be able to offer them to you. The safer the car the better insurance rates usually because they are the easiest repair.
Most if not all insurance companies offer lower rates for having some type of alarm on your car. There are so many different types it's easy to pick one that fits your needs. There are gas shut off switches which are hidden switches in your car that literally shuts the gas off to your car when you park it. There are sound alerts that work by movement next to the car or someone trying to open the doors. Having the VIN number etched into all the windows in your car is another security measure.
Take a driving defense course and you could receive as much as 10% off of your insurance policy from most auto insurance companies. They are usually about five hours long and are reasonably priced. The class offers tips and techniques of safe driving and avoiding accidents. They are ordinarily available at driving schools and most companies do lower your rates if you have started and completed a class. You can only take it about every 3-5 years.