The first way to save money is to make sure that you use your car for personal use only. Do not try to run an business and use your personal car to run the errands. It can get you into trouble with your insurance company, if you get in an accident and need to explain later.

The second and probably most obvious way to save money is to simply drive less. Plan your days and routes. Maybe even schedule most of your weekly appointments on the same day. It will be hectic, but you will be saving money by good scheduling.

A third way to save money on your car insurance is to increase your deductible. If you can afford it, raise it from $250 to $500 or even $1000. If you are afraid that you do not have that kind of money, upfront, get a no-fee credit card and keep it just for this purpose. If you do get into an accident, use the credit card and when you can pay it off. It keeps that feeling of dread from over powering you.

Fourth is to drive a little more safely. Do you really need to drive 70-80 m.p.h.? Think about it. When you drive that fast you risk making a bad decision, a speeding ticket and you are wasting gas. Slow down. True, you might get there a few minutes later than you planned, but getting there later is better than getting there with a speeding ticket.

Fifth. Order your credit report on a yearly basis. Some times just a late payment will make the insurance company raise your rate. Maintain a good report by paying your bills on time.

Sixth. Take care of your car. It does run better if you keep it in a garage. If you can not do that, make sure to change the oil on a regular basis. Wash and wax your car too. Every little bit helps when you are trying to save money.

Bonus Tip: Ask your agent for a discount. If you have been a good driver in the last few years, no tickets, ask for a reduction in your premium. The discounts are there, you just have to ask for them. Also, consider buying life insurance or even home owners insurance and wrapping that with your auto insurance. That would tie things up nicely.

I hope these tips have helped you to think differently about car insurance and maybe even other types of insurance. Just remember, if your agent does not want to answer your questions, or they claim that they are too busy, find another agent. There are so many good people in the insurance business, you just have to go out there and find them.