You will not have to do much if what you want is just the lowest rate for your current profile. However, if what you want is the lowest rate possible, then you may have to make some adjustments in your life style. I'll start with those that require a bigger adjustment:
Insurers are wary of overweight applicants. reduce your weight and you would reduce your rates.
If you smoke, quit and then after about three months re-apply. You are certain then to get a lower rate.
If you engage in certain sports or games viewed as dangerous or hazardous, you would have to quit it to lower your rates.
Hazardous jobs are a hazard to your rate. Change your job to a less hazardous one and relieve the hazard on your rates.
It is very important to take time to get quotes from about 4 insurance companies. You save a lot this way. In fact, you might actually be shocked at your savings.
Checking out a couple of insurance quotes sites ensures that you get quotes of different insurance companies. This equips you to make the right choice.
We all know it is highly important to check out the insurance company we want to finally settle for. This helps you get exactly what you want. You could decide to involve your state's insurance department. Getting your quotes from a reputable quotes site ensures that some of these issues are already taken care of.
With your new found knowledge, you might want to changer your insurance company. That is okay but my advice to you is this. DO NOT terminate your old policy until the new one is fully operational. I hope you know why? If you terminate the old policy before the new one is operative, you would be without cover until it is operational.
