With all the expenses associated with owning a car - gas, maintenance, and of course your automobile insurance - your auto insurance is the easiest one save on. To cut car insurance rates, take the time to review your policy, compare multiple quotes, and raise your deductible. Those simple little steps can help you start saving on car insurance!

1. Compare Rates Every 6 Months

Every six months you should get insurance advice and compare rates. And with the ease of a website like InsWeb.com , it can be done in a flash. According to an independent study, people who compare rates and switch carriers at InsWeb.com save an average of $301* on a six month policy. Consider the savings over 12 months! Your driving situation changes constantly and so does the environment that the carriers write under so you never know when you will find a way to save yourself some money.

2. Cut Car Insurance Rates by Raising Your Deductible

A simple raise in your deductible will reduce your premium.
Granted it will make an accident a little more expensive for you, but with minor accidents it is really saving you money, and if you were to be accident free it can save you a healthy amount.

3. Pay Off Your Premium In Full

Many monthly installment plans have extra fees associated with them. If $7 or more is added to each payment, it could cost you up to $84 per year and could be a big percentage of your premium. Pay in a lump sum and avoid these pesky little fees.

4. Multi-Line Insurance Discounts

One of the most unknown ways to cut car insurance rates is the multi-line discount where the insured has several different types of policies with the same carrier. For instance, if you have your auto and home insurance at the same carrier you can get a discount that can be as much as 15% on both premiums, according to the Insurance Information Institute. Nice!

5. Don't Let Tickets Get You Down

Moving violations happen. When they do, there are many carriers that will jump your rates drastically. Don’t just accept the jump and move on. There are several companies that specialize in higher risk drivers so look at a new comparison with your new situation and find the right one for you! Cut car insurance rates and shop around!