10 Ways to Get a Great Deal on Your Auto Insurance Policy

Auto insurance: every driver needs it! You don't have to spend a fortune, though. Instead, try 10 ways to save money on your auto insurance policy while receiving the best protection available. 

1. Drive a basic vehicle. Luxury, racing or other high-end cars will cost more to insure. By choosing a basic vehicle, you still get where you're going but pay less to insure your ride. 

2. Drop comprehensive and collision coverage. Unless your vehicle is new or you're required by the loan company to keep full coverage, 

save yourself some serious cash and drop full coverage.

3. Reduce the number of cars on your policy. If you're looking to cut the amount of money you spend on insurance in one year, reducing the number of vehicles you insure will do the trick.

4. Insure multiple vehicles. When you want to cut the cost of each vehicle's insurance premiums, combine them under one policy. This trick is especially applicable to immediate family members who live in the same household. 

5. Install an anti-theft device on your vehicle. This one investment can result in premium savings. 

6. Drive safely. Some insurance companies offer safe drivers big discounts, so keep your record clean for five years to enjoy lower premiums. Taking a safe drivers course or a motor vehicle accident prevention course might also reduce your insurance costs. 

7. Celebrate your birthday. Often, drivers under 25 and over 70 pay high insurance rates because of their higher accident risk. Talk to your agent about how your birthday about age-related discounts.

8. Remove mechanical or cosmetic modifications. They make your car run or look cool, but they could also factor into higher auto insurance premiums. 

9. Bundle multiple policies with one company. You'll receive a discount on your auto and home premiums and get the coverage you need. 

10. Shop around. By comparing rates from different companies, you may find more affordable coverage.