Many companies won't apply discounts unless you ask for them specifically. Inquire about: 8 questions to ask before buying auto insurance | III
Ask for a range of deductible options (e.g., $500 vs. $1,000) to see how much a higher deductible reduces your monthly premium. questions to ask when buying car insurance
Family members or roommates living in your household. Many companies won't apply discounts unless you ask
Beyond the state-mandated minimums, you need to know exactly what risks are covered. Ask if the policy includes: $500 vs. $1
Ensure you choose a deductible you can realistically afford to pay on short notice.