Car insurance is one of those things that you really can't afford not to have.  It protects you if you happen to hit another motorist, pedestrian, or motorcyclist so you can avoid financial ruin in a lawsuit.  However, although automobile insurance is incredibly valuable, you may find that paying for it each month is starting to stretch your budget.  Don't risk allowing your policy to lapse because money is tight; learn two things you can do to get more affordable vehicle insurance.

Now May Be The Time To Move

Are you planning on making a move sometime soon?  Moving is a prime time to rework your auto insurance.  Although you may not realize it, where you live does play a role in determining how much you pay for car insurance.  Many insurers use your zip code as a part of the algorithm that helps them formulate what your premium will be.

This is done for several reasons.  For example, if you happen to reside in an area where there is a high incidence of stolen vehicles, insurance companies may consider you more risky to insure.  They have to account for the increased chance that your car could be stolen and they'll have to pay out on the theft claim.  Because of this, your rate goes up.

You may be amazed at how much you're able to save by moving to a different zip code.  You can research different websites, such as this one, to see what the average cost of car insurance is in the communities around you.  If moving isn't feasible for you right now, consider lowering the usage on your car.  Your employer may offer telecommuting, which will cut down on the amount of time you spend on the road.  If you are able to work from home, be sure to update your insurer with your new, lower usage so you can realize the savings.

Defensive Driving Saves Money & Lives

Defensive driving is the practice of operating your vehicle in such a way that minimizes the chance that you'll get into an accident.  The course teaches a range of maneuvers and techniques that can help you avoid a collision.  If you're willing to take a defensive driving class, your insurer may issue a discount once they have received receipt of a passing certificate from you.

There are things you can do to drive down the cost of your insurance.  Start using these tips right away so you can keep more of your hard earned money in your pocket.