When you’relooking for ways to reduce expenses, consider the money you spend on car insurance. Reduce what you pay to insure your vehicle with these strategies:

1. Avoid getting traffic tickets.

2. Understand each separate charge on your insurance statement.

3. Ask for explanations for fees and coverage you don’t understand.

4. Check insurance rates for a specific vehicle before you buy it.

5. Purchase vehicles with anti-theft devices or install car alarms and LoJacks.

6. Request to lower your coverage in certain areas if you believe it’s warranted.

7. Take all your insurance needs to one company to receive multiple discounts.

8. Compare prices every two years to ensure you can’t get equal quality and coverage for less.