When we think about frugal ideas, we often focus on things like reusing plastic bags and not throwing out leftovers. They do save money, but things like auto insurance premiums can often stand a little adjustment that will save you quite a bit more.
How? Go through your auto insurance with a fine toothed comb. Check each item that you're charged for. Is it necessary? Are you paying more than your state requires? Are you paying twice for the same coverage: Hospitalization on your car insurance and hospitalization on your health insurance, for instance, just isn't frugal.
If you've recently paid off your vehicle, make sure full coverage is dropped unless there's a real reason for it. Most people don't need it unless their lending institution requires it.
Make sure you're getting all the discounts you're eligible for. If your agent doesn't offer them, ask. Some discounts to ask about:
Clean driving record
Other than that... it never hurts to look around. Check some online sites that allow you to compare different automobile insurance companies and never let loyalty to your old company stand in the way of saving money.
I was surprised when I checked mine out recently. I thought I had the most frugal insurance possible, but I found another one that saved me around $30 a year. Why not? Now I can do something else with that money.