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Make sure you pay your bills on time, keep your credit balance low, and check your credit record periodically to be sure everything is in order. Also, consider dropping comprehensive and or collision coverage on older cars. The coverage may no longer be cost effective in the long run, so make sure you are not paying for something you no longer need. Some other ways to save on auto insurance include maintaining a low annual mileage rate, joining a car pool, taking defensive driving classes, keeping your record free of traffic tickets or moving violations for a set number of years, or joining your employers group plan. And, believe it or not, you can also save on auto insurance if your child is away at school without a car and or is a student with excellent grades.