Discounts are easy to miss, especially ones you qualified for after you first bought your policy. Your insurer may not automatically apply new discounts, so it is worth asking directly before your policy renews. A short phone call can cover it. Think of it as a quick checkup rather than a negotiation.

Ask about discounts for bundling with a home or renters policy, insuring several vehicles, paying the full term upfront, setting up autopay or paperless billing, and having safety or anti-theft features. If you have a student driver with good grades, a driver who completed a defensive driving course, or a membership in certain organizations or employers, mention those too.

Some insurers also offer programs that monitor driving habits through a phone or a plug-in device and may reward careful driving. These can help some drivers and not others, and they involve sharing data about how and when you drive. Read the details carefully and decide whether the tradeoff feels right for you.