Are you paying too much for car insurance? No, this isn't an ad; still, a valid question though. A few years ago I switched from what I would consider one of the "big" car insurance companies to a company (Safeco) offered through my credit card company. Sounds kinda weird, but it turned out to be a great deal for me. I haven't been able to find better insurance for the price in my search so far.
So now to the tips:
Ask about multiple car discounts.
Ask about Good Driver discounts.
Ask about Good Student discounts.
Ask about discounts for having anti-theft devices (car alarms).
Ask about home/renters insurance discounts.
Ask about options for particular features ie) remove the 100 mile towing roadside assistance and replace it with 5 mile towing. (5 mile towing has worked perfectly for us.)
Ask about lowering the mileage estimate for your car- if you are only driving 7,000 miles a year, instead of 15,000 miles that does make a difference now.
Ask about different deductible options.
Ask about getting "comp" only for your registered car that you are not driving right now.
Consider liability instead of full coverage for your older car. If you have a $500 deductible and can only get $1000 for your car, it's not worth it.
Add full coverage for a car rental temporarily and then call back to have it removed when you wish.
Be careful not to sacrifice the quality of your coverage for the price. Keep in mind your family's needs, but these tips can help shave a few dollars off and save you money!