On Auto Insurance you can Spend Less

You might also save money in monthly auto insurance premiums by reducing the amount of insurance you take on. If you have an older car that you won't replace should it become wrecked in an accident, you can safely reduce the amount of coverage on it. This means that you'll pay less for your monthly insurance. Finally, you can save a significant amount of money on insurance by working with one company for your auto, life and homeowners insurance needs. Often companies will provide their customers with significant discounts if they take out more than one policy with them. In today's tough economy, it can be a financial stretch for many drivers to obtain good automobile insurance. But there are ways to save on the amount of money you pay to insure your vehicles each month. If you do have dings on your traffic record, you'll simply have to expect to pay more for your insurance. Speeding tickets and auto accidents are both red flags to insurers that you're simply a bigger risk, and more likely to get into an auto accident that will cost them money. 
First, drive safely. Auto insurance companies charge good drives less in monthly premiums. It's that simple. If you don't have accidents or speeding tickets on your record, you can expect to pay less for your auto insurance. Many auto insurance companies even offer safe-driving discounts of 5 percent or more.
Secondly, drive less. Many auto insurance companies charge drivers less in monthly premiums if they drive fewer miles each year. The reasoning behind this is sound: Drivers who travel fewer miles in their cars are less likely to get involved in costly accidents.
You can also increase your deductibles if you want to save money on auto insurance premiums. The deductible is what you'll have to pay out first should you get into an accident. After you make this payment, your auto insurance company will cover the rest of the accident's cost. Just make sure that you can actually afford the deductible should you get into an accident. Follow these steps, and you'll find yourself paying less for your auto insurance. And that's a good way to keep on the right side of the law.