There’s no doubt that car insurance is an expensive necessity. It’s something that drivers can’t neglect. Protecting yourself and your vehicle for any damage or injuries is the basis of why you need car insurance. No driver wants to get caught without adequate coverage, which means following state laws that require property damage and bodily injury insurance. Despite the options with coverage, there are definitely ways to reduce the cost of car insurance.

Follow along to learn five smart ways to save on car insurance:

1. Compare options
Before you rush into purchasing a policy, your initial step is to compare options and pricing with reputable insurance companies in your area. Prices will vary from insurance company to insurance company. You can either research established insurance companies and follow through with one of their agents, or you can connect with an independent insurance agent through referrals from family and friends. You can also inquire online or by phone as to various policies and their costs. While you’re pursuing your options, be sure and get a car insurance quote from at least three different sources to make savings comparisons. You want some figures to work with before you make a commitment.

2. Deductible adjustment
Car insurance costs can be less with adjustments made to your deductible. Adjust your deductible to a higher level and your premium costs will be lower. However, understand that setting aside additional funds will probably be necessary to cover a higher deductible should you have to make a claim.

3. Negotiate
If you’re looking at providing insurance for a newer vehicle, premium costs will depend on the price of the car, future repair costs, safety records and the chance of theft. Comparing the costs of insuring a new or used vehicle is important. Insurers may offer discounts on certain features on newer and higher rated used cars, so it does help to negotiate car insurance rates with an insurance provider to help you lower the cost of an overall policy and your premiums.

4. Insurance bundling
Another way to save on car insurance is through remaining with the same insurance company for your insurance policy needs. When you have a long-standing relationship with your insurance provider, you can bundle two different policies, such as an automobile policy and a homeowner’s policy, or you can insure more than one vehicle. Oftentimes, your insurance company will offer a discount or price break for purchasing different policies, particularly if you have a history with the company. Again, research and compare costs for any discounts for doubling up on policies.

5. Other discounts
There may be additional discounts that your insurer offers. Many companies extend low mileage discounts to policyholders and discounts for attending defensive driving school. No moving violations or accidents for a certain period also help in lowering policy rates. Even younger drivers on a policy can be of help with your insurance rate, particularly if they are a good student, have gone through a driver’s education course and are away at school. Consult with your insurance agent as to what you can qualify for concerning other discounts.

Saving on car insurance may take further research on insurance providers. Contact your state’s insurance department or look for consumer sites that register complaints about insurance companies. You should be able to choose the right company and apply any of our tips to save over the long run.