It is scary how expensive car insurance can be these days! In order to get the best rate, it's important to shop around and compare prices from various insurance companies. Unfortunately, many of them do not make these comparisons easy on purpose because they do not want you to realize that you are paying too much for your insurance. The first thing you should do is contact your present insurance company to understand your existing policy. Make sure that it's what you think it is and request changes if you hear anything surprising. It's important to understand not only how much you are paying, but also what you are paying for: What is your deductible? How much coverage do you have for certain events like vandalism and an accident with an uninsured driver?
Once you understand your current policy, start calling around to check prices at other companies. It's important to request a quote on exactly the same coverage as you have now since you can not otherwise compare easily. Some companies will also allow you to request a quote via their website and this is something you can do without sitting on hold on the phone for long periods of time. Another option is to work with an auto insurance broker who has relationships with many insurance companies. They can understand your situation and get comparable quotes from a variety of providers in order to help you select the lowest one. This is a great choice if you do not have time to do the search for cheaper insurance yourself.