Use an independent agent: Many agents are “captive” agents which means they can only sell the insurance policies of the company that they work for. You can use an Independent Agent to shop for the best price among several different companies.
Exclude "high risk" drivers from your policy: Your insurance rates can skyrocket if you have a teenage driver or a driver with a bad driving record on your policy. One way to reduce your insurance rates is exclude that driver from your more valuable vehicles. Then, provide that driver with a less valuable vehicle and make sure that it is the only vehicle that he or she uses.