If you want to save then you'd have to take active steps.
There are many things that will help you get affordable auto insurance.
I'll explore the places of joining a car pool and avoiding monthly premium payments...
1.
Joining a car pool will help you get a lower rate.
Carpooling helps you reduce your mileage which is a strong factor in calculating your rate.
Anything that brings down your mileage considerable reduces your auto insurance premium.
2.
If you decide to pay your premiums monthly, you will pay more expensive health insurance rates.
You may be told that monthly payments are easy but what you're not told is how much more you pay for this.
Every check that is processed attracts a fee.
While a yearly payment attracts just one check and therefore a transaction every year, monthly payments attract twelve.
This implies that you'll pay transaction charges 12 times.
Apart from this there are also administrative costs that are incurred due to the monthly payment option.
A clear example of such is the cost associated with mailing payment notices..
These costs plus a profit margin for this "value-added service" is included in your health insurance rates making it more than a similar profile that pays annually every year.
While you consider the above, get and compare quotes from five or more quotes sites.
The simple logic here is that you want to get as many quotes from as wide a range of insurers as possible.
Doing this alone has saved some folks a few thousand dollars.