1. Increase Your Car Insurance Deductible
Raising your deductible is the easiest (and surest) way to lower your car insurance premium. If you can afford it, raising your deductible from $250 to $1000 could save you 20% or more on your car insurance premium.
You’ll need to budget for the higher out-of-pocket costs, and the best way to do so is to bank your monthly savings and stash the cash in a separate bank account. That way you have the money you need if you get in an accident-and a nice little emergency fund if you don’t.