The following car insurance tips can help you save money on those often high monthly premium payments. Firstly, do your research; several websites let you comparison shop. Don’t pay for more coverage than you need, and if possible bundle your auto insurance and homeowners insurance to save money. Of course, your overall driving habits will affect your rate, as well as the number of years you’ve been accident-free. Safety features on your vehicle can also reduce the amount of your policy, as can the age and type of car you drive. An SUV or luxury car will cost more to insure than a family minivan. And of course the mileage you drive in a typical year can affect your rates too. It sometimes pays to just call your insurer and ask about lower rates or discounts, especially if you’ve been with them a while.