Here are some simple ways to reduce what you pay for auto insurance.

We all must have insurance on the cars we drive. For many, insurance is akin to a utility you pay for at your home. We often pay our insurance premiums and then go about our business without giving it much thought. But with today’s cost of living only going up and up, it may be a good time to consider ways of saving a few dollars where ever you can. As far as auto insurance, there are a few things you can do to make sure you’re getting the best value.

Bundling your auto insurance with your homeowners’ insurance is usually a good way to save some money. Some insurance companies will give you a multi-line discount if you have homeowner’s, life or other car policies with the same carrier.

Are you paying your bills on time? Getting a bad credit rating can lead to higher insurance rates. If you’re one of those people who always forgets when bills are due, set up automatic payments through the insurer or your bank.

If you own your car and have paid it off, you may want to consider liability coverage if you still have full coverage. As a rule of thumb, newer cars should have full coverage that covers both you and the other party if in an accident. “Liability only” makes sure the other party is covered but pays nothing toward your own repairs. Your repairs will always be covered by the other driver’s insurance when it’s determined that the other driver is at fault.

Make sure your insurer knows how much you actually drive. When you first insure a car, your mileage is used to calculate how much you drive annually. People who commute long distances each year are in a different rate class than drivers who use their car infrequently. Things change, and you may be driving less now than you did when you first insured your car. It might be a good idea to review this with your insurer.

There are many ways to reduce insurance costs. Check with an agent and take advantage of any breaks you can get.