A simple way to control your insurance rates is to manage your driving behavior. Driving safely and avoiding accidents can create a positive impact on your driving record, thus affecting your premiums on a long-term basis.
Another method to help manage your rates is to shop around for coverage. There are providers that offer lower rates compared to others. Do not share your coverage too often because it could be detrimental. Try to compare quotes once a year or so and keep exploring pricing and coverage options.
If you believe that you could get a good deal by switching to another provider, make sure it is a long-term commitment. Continuously changing to a new provider each time you find a better offer will not reflect well on you.
You may also want to try carrying a higher deductible on your policy. This will help lower your rates, as well. A deductible is the amount of a claim you’re required to cover. Typically, it is deducted from claim settlements you are offered. If you can afford a higher deductible, then you will be covered for that much of any claimed loss, which in turn will reduce the costs to your insurance provider.