- Your insurance company has new offerings. Your insurance company might have introduced new, beneficial services. So, take advantage of them. - You drive less. If high gas prices have lowered your annual driving mileage, some companies now offer a substantial low-mileage discount, such as the Low-Mileage Discount launched in 2008 by GMAC Insurance in collaboration with OnStar. - You could save money. Make sure your coverage is at a sufficient level to protect your assets, but also research any discounts that you may qualify for, such as a multi-vehicle discount that saves you money when you insure more than one vehicle with the same company. - You have a specialized vehicle. If you have a specialized vehicle, whether it's an RV or a commercial vehicle, a standard auto insurance policy will not provide the coverage you really need. Check with your auto insurer to see if they offer specialized policies. If not, consider switching to a company that does. If you move all of your auto insurance policies to one company, you may be eligible for a loyalty discount. "It's so important that you fully research your policy," adds Bontrager. "For example, our customers are offered a series of concierge-style services, and we want everyone to know the extra value they are receiving free of charge."