I recommend searching the rates from multiple choices of insurance companies if your rates increase or just periodically, to make sure you are getting a good deal.

For years I had a policy with one company that was very low. Had no claims tickets or accidents. They raised the rates suddenly. Checking competitive rates I found the same coverage for much less from Progressive, and I switched saving myself about $500 a year.

Also if you specify your health insurance as the primary payer before car insurance kicks in, there is a substantial savings.