Your timeliness in paying your bills may not seem like it has anything to do with your driving abilities, but it's something car insurance companies pay attention to. If you've got a good credit report, it's worth checking with your agent to see about a discount and save money.

"Many insurers use credit-based insurance scores," says Barry. "It's a contentious issue in certain state houses … (but) insurers will say their studies show that if you're responsible in your personal life, you're less likely to file claims."

There are other ways to get car insurance discounts. Older drivers who complete adult driver safety programs can get premium reductions, while many insurers offer discounts for teens who maintain a 3.0 grade point average in school.