It is undoubted that car insurance swallows a great deal of your budget. National Association of Insurance Commissioners reports that Americans pay on average over $67 a month for car insurance- that's about $800 a year. Have you ever considered the opportunity that this figure can be reduced by 20 or even 30 percent? It is possible and, which is more, not as difficult as you may think. Start saving your money right now. Following are 10 tips which will help you to save expense:

1. Compare Rates Regularly. Your circumstances change permanently, and so will the way car insurers view you. According to an independent study, people who compare rates and change carriers at InsWeb.com save an average of $301* on a six-month policy. So, shop around and compare rates regularly in order to figure out how you can reduce your expenditures.

2. Increase Your Deductible. Basically, the higher your deductible, the lower your premium. The cost of an accident will be that much more expensive, but some savings on your rate could make it worth it.

3. Insure Your Home and Your Car With the Same Carrier. Insurance Information Institute reports that a multi-line policy can save you up to 15% on both premiums. So turn to the same carrier for insuring your properties.

4. Make Lump Payments. Try not to divide your premium into installments as it involves extra administrative fees. Pay your policy in a lump sum. Remember that a monthly fee of even $7 can add up to almost $100 a year.

5.Prove Yourself as a Good Driver. A lot of insurance companies provide discounts for drivers with excellent driving reputation. If you haven't had any accidents or tickets in the last three to five years, you're probably eligible. In some states it is a must that companies always provide excellent drivers with discounts.

6.Look for More Options If You Have Bad Driver's Record. Most of insurance companies will view you as risky driver if you have an at-fault accident or moving violation on your record. But, if you shop around, you may find some companies which will not look at violations and accidents the same way. Turn to the agency specializing in insuring different types of drivers and your problem will be solved.

7. Try to Find Safe Vehicle Car Insurance Discount. Many car insurers offer discounts for various safety features on your vehicle, including alarms, air bags, factory-installed mechanical seatbelts and antilock brakes. Be sure to indicate such safety features when getting updated car insurance quotes.

8. Take Advantage of Low Mileage Discount. People who keep their cars in the driveway are involved in fewer accidents, file fewer claims, and cost insurance companies less money to insure. Take the advantage of this. You may save money if your commute to work has recently changed or you have recently retired and, therefore, drive less.

9. Prove Yourself as Good Student or Senior. Students currently enrolled in school often receive a discount on car insurance if they can demonstrate good grades because many companies suppose that conscientious students make conscientious drivers. The same is with experienced drivers. They can be offered a discount, provided they have long driving experience.

10. Don't Pay for Coverage You Don't Need. You may be a member of a car club that provides roadside assistance, for instance. In this case you should exclude the clause, guaranteeing you towing. Keep in mind, that if you don't keep a close eye on the details of your car insurance policy, you could end up paying for things you don't need.

Save extra money on your car insurance!