The best way to bring your insurance rates down is to have a good driving record and credit score. Tickets, accidents, and claims can dramatically increase your insurance premiums, and so can having a bad payment history on your record. If your imperfect driving history is resulting in high premiums, you can ask for higher deductible amounts to help lower your costs or reduce the amount of coverage you have on older vehicles.
For more tips on how to bring down your rates, check out this article: 8 Easy Tricks for Saving on Car Insurance.