Car insurance is one of those expenses that doesn’t seem to really matter after each billing. It’s true value only becomes appreciated when vehicular accidents occur, or when auto repairs are badly needed. Some people skimp out of the required payments because of the high fees, but there are ways to minimize these monthly deductions.

Before anything else, it’s wise to ask for a discount when negotiating a deal. Many insurance agents are used to this by now, and willingly give small amounts of discounts that can add up over time. It’s also wise to invest in a car that has different safety features such as airbags, car alarms and the like as they lower the rates significantly.

The insurance policy itself can also be packaged in such a way that it decreases overall expenditures. There are many companies that offer packages that cover house, car and even life insurance all in one package. These companies can also be quite competitive about their rates, so insurance holders are encouraged to shop around.

Of course, these features won’t matter if the driver behind the wheel doesn’t know what to do, so driver training can be a lifesaver in rare instances. A conservative driver is worth more than all these policy features combined.