Auto insurance is essential for every driver. Even if you don't own a car, you should still carry auto insurance since there is a good chance that at some point you will drive a rental car, a friend's car or another car. This is why it is vital that you have car insurance if you have a driver's license. But just because you should always carry auto insurance doesn't mean that you have to overpay on your insurance premiums. You can lower your insurance premiums by doing some simple things. Here are some suggestions.

1. Raise Your Deductible

If you are a safe driver, and especially if you don't drive very often, you should consider raising your deductible to save on your monthly premiums. For instance, by raising your deductible only a couple hundred dollars, you could save that much and far more over the course of carrying your auto insurance policy. When you consider how often you are going to need to access your policy, the odds are that you will save more money by working with a higher deductible. For this reason, assess your deductible and see if you can afford to raise it.

2. Drive Less

When your insurance premium is calculated the insurance company will calculate it based on the amount that you drive your car and how many miles you put on the vehicle each year. This is because the more you drive the more likely you are to get in a car accident. Consequently, if you can put less miles on the car each year you will save money.

Some people choose to carpool, use public transportation, bike, or walk to their activities. If you are making an effort to drive less make sure you call your insurance provider and let them know the difference in your mileage. Then they can calculate the difference in cost.

3. Get Quotes Often

When you first get your auto insurance they will base the price on the year, model, and make of your car. The more you drive the car, the more the wear on the car and the more it will depreciate. However, very rarely will your insurance reflect the depreciated value of the car. This is why you should get new quotes every couple of years, and talk to your current company about adjusting the price based on the car.

By doing these simple things, you can save money on your car insurance. For more information, consider contacting companies like LA Insurance.