Car insurance premiums can add up to a significant yearly expense, especially if you own more than one vehicle. Here are some tips on how to save money on your car insurance…

- If you primarily use one vehicle during the winter and the other car during the rest of the year, only insure and drive one at a time.

- Different insurance companies give discounts to customers with certain types of cars, specific employers, and various other characteristics.

- Driving an older or less expensive vehicle should also save money on your car insurance. Avoid “Turbo” models and sports cars.

- Buying auto coverage from the same company that provides your home insurance may result in a discount. Many major insurers offer both types of coverage.

- Save money by driving a car which performs well in crash tests; ins. companies charge lower rates on these. You can look up online crash test results for most cars.

- Compare rates; most companies offer free quotes over the phone or Internet, and it’s worth the extra effort to potentially save hundreds of dollars.

- If you have more than one car, keep in mind that there is typically a discount for insuring multiple vehicles with the same company.

- Put off driving until you are in your mid-20s; this is quite possible if you live in a city or attend college. Insurers charge young people higher rates.

- Attempt to obtain a job with a shorter commute. Certain ins. companies give a discount to low-mileage drivers, in addition to saving money on gas and maintenance.

- Some insurers will reduce your rates if you take a driver education course. Such classes are available in most cities and large towns.

Putting one or more of these tips into practice should help you save hundreds of dollars every year on car insurance. Incidentally, many of these tips will result in safer travel as well.

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