This is the single most effective strategy. Insurance companies change their pricing algorithms constantly. The company that gave you the best rate last year might not be cheapest today. Drivers who compare annually save an average of $500 per year.
Combining auto and home or renters insurance with the same carrier typically saves 10-25%. On combined premiums of $3,000 per year, that is $300-$750 in savings for simply having both policies in one place.
Increasing your deductible from $500 to $1,000 can lower your premium by 15-30%. If you are a safe driver who rarely files claims, the math strongly favors the higher deductible. Just make sure you can afford the deductible if you do need to file.
Most carriers offer discounts they do not automatically apply: safe driver, low mileage, good student, military, professional organization, paperless billing, and autopay. Ask your agent to run through every available discount.