There are many things you can do to save yourself some money on car insurance. First you should only insure as much as you can afford. One might ask, “How should I do this?” This is how.

Do not pay your insurance monthly. Most insurance companies charge $5 to $10 extra each month when you pay on the monthly basis. If you can pay annually or bi-annually it would be beneficial to you and save you about a hundred dollars in a year’s time.
Look into taking a course in safe driving techniques. Many insurance companies have plans that offer discounts if you complete a course such as this.

Try to have all of your insurance policies at the same place. I have heard that the more policies you have at a particular place the more you are eligible to be discounted.

If your vehicle doesn’t have many miles on it, you may qualify for a few low mileage breaks your insurance company may offer. It is more than worth the trouble to look into.

Consider passing on all of the car accessories that your insurance company does not cover. Many insurance companies do not cover aftermarket products such as custom wheels, subwoofers and spoilers. In the event that your car is stolen, you would lose that $3000 that you spent hooking your car up.

Do your research. Many people think that insurance for SUV’s is expensive and for smaller vehicles would be cheaper but that is not necessarily the truth. Insurance companies undoubtedly look at a big truck and assume it would cause a fair amount of damage so they increase liability. On the other hand, they also rate automobiles on the likelihood that they will be damaged in a collision, how likely they are to be stolen and how likely its passengers will be injured.

You should also self-insure what you can on your vehicle. This means take good care of your vehicle to reduce your chances of your car breaking down on you or having to spend $100 on getting it towed somewhere. These tips will help you save money in the short and long term.