Saving money on car insurance is easy if you can follow a few simple points. Whether you already have insurance, are shopping for better insurance, or need insurance for the first time, all of the tips can help you lower your monthly premiums.

First, if your coverage is inadequate, change it or find a better insurance company with better coverage. If you need insurance for the first time, get quotes to find a company that offers what you need. Don't look at the overall cost. Look at how much it costs for a certain amount of insurance. Do this to get a basic cost to measure different insurance against.

Discounts are a great way to lower your premiums. Many top companies offer discounts for all sorts of things such as getting good grades (if you're a student or have a student on your policy), discounts for senior citizens, discounts for safety features on your vehicle, etc. Discounts can add up to a lot of savings.

Set a deductible as high as you can afford. A higher deductible means lower premiums. Of course, don't set it too high. Save up enough to cover your deductible twice over and put it in a savings account. This ensures that you are covered, even if you get into an accident twice before you have time to save more.

Finally, be a safe driver. Don't cause accidents and be a defensive driver to avoid accidents that other drivers might cause. Don't speed or do anything that could cause you to get a traffic tickets. All of these things can raise your rates. In fact, the longer you keep away from accidents and violations, the lower your rates will go. It's quite simply, the easiest way to save money on your car insurance. Plus, being a safe, defensive driver also saves lifes.