Not quite "free," but here's a few ideas on how to save money on auto insurance:
A $250 insurance deductible is fine until you discover that the cost for having a deductible can send your rates skyward. Instead, think about a deductible as high as $1000 to save on auto insurance premiums. Pay for minor accidents out of your pocket – you will come out ahead of the game.
If your car is worth less than $3000, think about dropping collision coverage. Yes, you will receive no compensation from your insurer if your car is wrecked, but the savings you gain by discontinuing your insurance's collision coverage can be set aside by you as a down payment for your next car.
Make sure your policy is correct. Are you listed at the right address? Even a one digit variation in your zip code can raise your insurance rates immensely. Make certain that everything about you is listed correctly on your insurance policy. Notify your insurance agent if there are mistakes.
If your car came equipped with certain security features, make sure that your insurer knows about them.
