Remove family members from your policy that do not operate your vehicles any longer. If other drives are on your plan, removing them may save you extra cash on your monthly and yearly premiums. To reduce your insurance premium, choose a higher deductible. A larger deductible can have a tremendous affect on your total policy cost. You should however be aware that this practice comes with risks. If you end up in an accident, you will have to pay more. Creating a separate fund for unexpected emergencies is always advisable. If you want to switch your auto insurance to another company, make sure you have another policy in place before canceling the one you have. Auto accidents can happen at any time, so make sure you always have insurance.