If you wish to lower your auto insurance rate, there are a number of options at your disposal. Many of these ideas, however, have an initial cost, even if they do save you money in the end. Putting an anti-theft system in your vehicle, taking public transportation to work and attending a defensive driving program are all worthwhile ventures, but require an investment before you experience any savings. If you're eager to lower your auto insurance but want to do so without spending money, there are many ways you can go about accomplishing this goal. Here are three strategies to help you get started.

Quit Smoking

Being a smoker means that you're likely paying a little more for your auto insurance, given that smoking can make you distracted behind the wheel and raise your risk of getting into an accident. Quitting smoking might not always be easy, but doing so can translate into a lower auto insurance rate—and you don't necessarily have to spend money to stop this habit. Going cold turkey or substituting smoking with a healthy activity such as exercise can help you get this habit out of your life for good. Once you've made this positive change, contact your insurance agent and ask about the discount you'll receive.

Drop Some Coverage

Changing the type of auto insurance coverage you have can help you lower your insurance bill without any financial investment. Many people choose to eliminate their collision coverage if they have an old vehicle with a low value and a high deductible. For example, if your deductible is close to the value of your vehicle—or even higher than it—there's no point in keeping this type of coverage on your policy. Asking your insurance agent about the cost-saving impact of getting rid of your collision coverage can save you money without spending any.

Increase Your Deductible

If you have the financial means to pay a higher deductible in the event of a future claim, making this change is an effective way to lower your auto insurance rate without spending any money. Contact your insurance agent (like those at Consumers Coverage Corporation) and discuss the various rate reductions for which you'd be eligible by raising your deductible. Although you shouldn't take this approach if your funds are tight and you might not be able to pay a higher deductible, this strategy can be an effective way to save money if you have the financial means to do so.