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We all want to cut our expenses in half or reduce them as much as possible. While you may have monthly costs for your cell phone, cable TV or electricity that are there and fixed at a rate every month, you may have some room to save money on your auto insurance This Money Saving Monday, let’s look at ways you can save money on that all important car insurance bill.

1. Get a Variety of Quotes

When it comes to auto insurance, shop around. Find out what your needs are. Do you need coverage that can help you during times of distress while on the road? Do you have children that need auto insurance? Investigate several car insurance companies that brag about meeting your needs and put them to the test against other companies.

2. Get Those Discounts

Are you a safe driver? Are you a driver who has theft devices on your car? Have you been a customer for a long time? Are you a senior citizen but are able to drive well on the roads? Ask companies about their discounts for great driving records, college students and long time customers. You are entitled to discounts so ask for them.

3. Maintain a Good Driving Record

Try to stay out of the limelight when it comes to accidents and simply practice common sense in weather such as snow and rain; both are conditions that can affect your driving. Insurers often reward good driving habits with reductions in rates or lower initial rates.

4. Drop Unnecessary Coverage

When it comes to auto insurance, consider firming up what you use. Some types of coverage could be considered optional. Visit or call your state’s Department of Insurance or your insurance company to learn which insurance elements are required for your policy.

5. Raise your Deductible

One of the easiest ways to see immediate savings could be changing your deductible, or the amount you agree to pay in the event of an accident before your insurer will contribute any money. Increasing your deductible from $200 to $500 could potentially reduce your collision and comprehensive coverage cost by 15 to 30 percent.

Save Money Mondays: How To Save Money On Car Insurance  was originally published on