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      Money Talks: Cut Your Car Insurance Bill

      Keeping a car on the road isn't cheap. Between gas, maintenance and insurance, it can drive you to the poorhouse.

      But at least there things you can do to save on expenses for your car. Take insurance, for example. Want to save a couple of hundred bucks a year? Here are some simple tips to make it happen.

      Step one? Understand your policy. I made a spreadsheet years ago that explains the different components of my policy and what each one costs. If I didn't understand something, I called the company and made them explain it until I did.

      Step two... discounts. Just because you're eligible doesn't mean they're automatic: You've got to ask.There are tons of ways you can get discounts...You can be over 50, non-smoker, theft deterrence, combining home and car policies. There's lots of discounts.

      Call you insurance company and ask them what discounts there are and see what you qualify for.

      Tip 3: Raising your deductible - raise it from $250 to $1,000 and you could save 10 percent or more.Is your credit accident free? Keep it in top shape for the best rates.

      When it's time to shop for a new car, buy one that's cheaper to insure. Don't ever buy a car without checking the insurance cost first.

      And last but definitely not least: Shop. Insurance companies know you hate switching, so they're free to charge more. Keep 'em honest by getting a new quote or two every year. The Internet makes it easy.

      Bottom line? There are lots of ways to save on insurance - some you could have done in the time it took to watch this story.

      Want more ideas, go to and doing a search for "Car insurance."For Money Talks News, I'm Stacy Johnson.