Ask people what bill they dislike paying the most, the majority would likely mention the word "insurance" as one of the words. Whether its homeowners, health or car insurance, most people have a hard time paying a high monthly premium for something that they'll maybe need someday. It can be even harder to deal with when you consider how much of your payment is used to offset insurance fraud, especially when you’re a law abiding citizen. But, if you look deep enough, you may just find a way to save money on all of your insurance costs.

In terms of car insurance, some things are pre-determined. Such as, the popularity of your vehicle with thieves, the crime rate in your neighborhood and your prior driving record. But, as luck would have it, there are a few other things you can do to save money on your car insurance.

1.  Compare Before You Buy - Comparing car insurance rates is the first step you should take when trying to lower your premium. Some smaller companies exist that will charge you a lower premium but provide you the same coverage as the big guys. You can easily search car insurance online and get a number of free auto insurance quotes that you can use to help narrow down your choices.

2.  Work on Your Credit Score - Believe it or not, your credit rating affects how much you will pay for car insurance. The better your score, the lower your premium will be. If your credit rating is sub-par, then start on the road to credit repair as soon as you can.

3.  Increase Your Deductible - The higher deductible you choose, the lower your premium payment will be. However, it's important to be ready to pay that high deductible if you ever need to. Perhaps create a small savings account solely to keep the money available should you ever need it.

4.  Ask About Multi-Policy Discounts - If your family has your car insurance with one agency and your homeowners with a different company, you may save money by using one company to handle both. Get car insurance rates and homeowners rates from each company and go with the one that fits you the best.

5.  Drive Less - The more miles you place on your car every year increases your premium. Carpool when you can and try to limit your shopping excursions to once a week. The less time your car is on the road; the less chance you have of being in a costly accident.

6.  Install a Theft Deterrent - Installing an alarm system or even using The Club can help save you money on your premium. Any device that helps keep car thieves at bay will make your insurance company happy and they should lower your rates.

7.  Driver's Safety - Many car insurance companies offer discounts for drivers that complete a driver's safety course. It never hurts to freshen up your skills, and you can save 10 percent as a bonus. Families with new drivers can also get discounts if the student keeps their grades above a C grade average.

 8.  Avoid Business Use - Many people use their cars for business reasons so they can claim their gas charges on their tax returns. But what they don't know is that by using the car for business, it also increases your car insurance premium, often-times much more than the amount you get back on your taxes for the gas use.

Other Ways to Save Money on Your Car Insurance

The eight methods listed above are the easiest ways to save money on your car insurance. Other, less popular ways, yet ways you can still save money include moving to an area that's not as costly for car insurance, trading your car in for something more practical or keeping your car in your garage rather than in your driveway.

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