Take the AARP or AAA Safe Driving or "55 Alive" Course, turn the information in to your insurance, and you get a discount. Some companies even offer this to their under 55 customers as a "Safe Driver" discount. My agent even has a "tickler" that reminds us when the 3 years is expiring. For my 75+ spouse, this plus being accident-free means we did not see the typical jump in our premiums. This is important to us because we travel 20-25,000 miles per year between our travels, volunteering and taking car of grandkids. No "low mileage" discounts in our house!
That reminds me, if you only drive a few miles a year(typically under 7500), ask for a low-mileage discount. It saves my sister 1/4 on her premium now that she is retired and only runs errands with her car.

Sue