Auto insurance should be one of the first items

When you think of ways to save money, auto insurance should be one of the first items on your agenda. From choosing certain kinds of cars to getting good grades, find out if you’re saving all you can on car insurance.

Choosing the right car: Certain cars are statistically cheaper to insure. Just google “cheap cars to insure” to find out which models cost the least.

Driving less: Let your agent know if you’ve started driving fewer miles than in the past. Whether you’ve moved, lost your job, or started working from home, you may be able to shave quite a bit from your bill.

Multiple policies: Insuring your car and home with the same provider can lower your rates significantly.

Higher deductible: Raising your deductible will lower your premiums. It’s important, though, to decide how much you can afford to pay out of pocket in case of an accident before you change your deductible.

Paying annually: Pay your insurance bill once per year if possible, since many insurers charge administration fees of several dollars if you pay monthly.

Safe driver discounts: Avoiding tickets and accidents goes a long way when it comes to car insurance rates. Check with your agent every year to make sure you’re getting a price break for driving safely.

Good grade discounts: Students with good grades can also snag lower car insurance rates. Be prepared to provide proof of your high marks.

Age-related discounts: Drivers can often receive discounts at certain ages. Ask your agent for details.

Safety devices discounts: Arming your car with an anti-theft device can lower your insurance costs. Driver and passenger airbags and anti-lock brakes can help as well.