If you own a vehicle, car insurance is a necessity. Car insurance helps protect you financially when driving, from liability insurance to comprehensive and collision insurance. However, car insurance can be expensive, so it is necessary to understand intelligent ways to save on this insurance. 

Use the Multi-Car Discount 

If you own more than one vehicle, or if the people living with you have more than one vehicle, you may want to put all of the vehicles together on the same insurance policy. Putting all the vehicles on the same insurance policy will allow you to take advantage of a multi-car discount. This can be a great way to save a significant amount of money on your insurance policy. 

Be a Safe Driver

The best thing you can do to save on your car insurance is to be a safe driver. Not getting into accidents and not getting tickets is the smartest way to ensure that you are able to save money on your insurance policy. Accidents and tickets will drive up the cost of your insurance. On the other hand, staying accident-free and ticket-free will help lower your insurance costs significantly over time. When you get moving violations, you get points on your licenses, leading to higher insurance premiums. 

Shop Around

Don't assume that you are getting the best possible insurance rate. Instead, shop around and find out if you get the best possible insurance rate. Look at national, regional, and local insurance providers. They can all provide you with quality insurance, and each insurance provider's rates, even when working with the same information, can be very different. 

Change Your Deductible

Fourth, you need to consider changing your deductible. A higher deductible is one of the best ways to ensure that you get as many savings as possible. A higher deductible means you are taking on more of a financial risk if you have to file a claim, which your insurance provider will reward by giving you a sizable discount on your premium. If you do this, make sure you are financially capable of paying for the higher deductible if you were to get into an accident. You don't want to make your deductible something you can't actually afford to pay.

If you need to keep your insurance costs under control, start by seeing if you can get a multi-car discount. Shop around for the best coverage, and raise your deductible. Keep driving safely, as safe driving is rewarded with better insurance rates.