Many people drive far less after they stop commuting to work. Fewer miles can mean less risk, and some insurers take that into account. But your policy won't change on its own. If your insurer still thinks you drive to an office every day, you may be paying for a profile that no longer fits.

Call your insurer and update your yearly mileage and how the car is used. Ask about discounts that may apply, such as for low mileage, completing a mature driver safety course, bundling home and auto, or paying in full. If you have an older car, review whether collision and comprehensive coverage still make sense based on its value.

It can also help to compare quotes from other companies, since rates for the same driver can vary widely between insurers. Make sure each quote has the same liability limits and deductibles so you're comparing fairly. Don't trim liability coverage too far just to cut costs, since it protects your savings if you're ever responsible for an accident.