If you own or drive a motor vehicle, you probably know that you need automotive coverage to operate your car or truck legally. Still, you are probably looking for the right automotive insurance policy at an affordable price. Here are a few ways to help you save money on your auto insurance:

Drive by the rules.

Driving safely does pay off. If you are caught driving over the speed limit, running a traffic light or disregarding a stop sign, the tickets that you receive for violating the road rules will be seen as points on your driving record.

Car insurance companies, such as Green Light Auto Insurance Specialists, review the number of points that you have acquired to determine your risk level. The higher the number of points on your record, the more risky you are deemed to be. The riskiest drivers are required to pay more for their insurance coverage.

Increase your deductible.

The deductible is the amount that you are required to pay out-of-pocket after your insurance pays for accident-related expenses. This amount can vary. Higher deductibles are associated with lower premium costs. However, lower deductibles can raise the cost of your policy. 

Still, you should be careful not to lower the deductible beyond the amount you have saved in the bank. If you are in an accident, you want to make sure that you have the money and coverage available to repair your vehicle.

Choose Liability Insurance

When you are at fault in an accident, liability insurance covers the cost of repairing the vehicle of the other motorist. However, you are responsible for your own damages and repairs. Although this type of insurance is less expensive than comprehensive coverage, it is wise to maintain enough savings to repair or replace your vehicle if necessary.

Keep up the good work.

If you are still in school, your grades can help lower the cost of your car insurance. Some insurers offer discounts for college or high school students who maintain a GPA of 3.0 or above. Since young drivers typically pay more for car insurance than older drivers with similar driving records, this discount can be especially helpful.

Take a class.

Defensive driving classes can help lower your car insurance rates. These courses are often offered by the Department of Motor Vehicles (DMV) in your area. Check with your insurance company to determine if a defensive driver's discount is available for your policy. 

If you need-low cost automotive coverage, consult with a local car insurance agent..