The InsuranceHotline.com group has provided 13 tips to help you deal with the onslaught of your expensive car insurance costs. No tricks here, just dealing with.

1. Don’t wait for your awakening to have a look

Whenever something happens that could affect your insurance rate, don’t delay until your awakening notice to have a look. It’s time to take some real savings and see if there’s a better rate available when:

• You buy a new car, because each insurance provider will rate your new wheels differently.
• You’re moving, because the insurance provider that offered the best rate on your old home may no longer be offering the best rate at your new address.
• You’re a teenager for your plans. The truth is, some insurance providers are more youth friendly than others.

These are just a few of the common reasons you should look around mid-policy, but there are other important times as well. Don’t delay comparing auto insurance estimates, or you could end up paying more for your coverage than necessary.

2. Ask about available discounts

You will definitely be surprised to know how many discounts are available. Check with your insurance provider about their list of discounts, because you never know what information about your life might get you a lower price. For example, your job, the roadside assistance program you enroll in, or the quality of your teen driver can all help you lower your rates.

3. Take a certified driving course

New drivers who complete a certified driver education course will most likely qualify for the discounted rate. Insurance providers know that drivers who are taught by experts have a tendency to become better and safer drivers and thus reward these drivers at a lower cost than they would be sure to pay.

4. Integrate insurance coverage

Do you have home insurance and car insurance at the same company? Otherwise, you can save on a plan by having all your insurance coverage with one provider. Discounts can range from 5 to 15 percent off one, or both of your plans.

5. Multi-line discounts: Bigger than your home and car insurance

Often people think only home insurance and auto insurance coverage state multi-line discounts, but there’s actually more to it than that. Packages for sleds, RVs, or motorbikes can all usually be packaged for approval for multi-line discounts as well.

6. Change your tires seasonally

Drivers using winter tires can often save up to 5 percent with discounted winter tires. After Halloween is over, Old Guy Winter will most likely howl and quickly the highways will be pounded with ice and snow. Be prepared, safe and frugal!

7. Consider usage-based insurance

Many auto insurance providers offer usage-based insurance (UBI). This technology tracks the driver’s typical distance, pace and time while driving, as well as his pace and speed. The information cannot be used against you, so your costs will not increase. However, your good driving behavior can save you up to 25 percent on your auto insurance.

8. Handle with care and maintain a tidy driving record

Your driving record is one of the best considerations for determining your level of insurance. A traffic ticket can increase the price of your insurance by up to 3 years, and an accident remains on your record for at least 6. Over several years, a poor driving record can cost you hundreds and thousands of dollars in unnecessarily high costs. Own it with care and preserve it!

9. Increase your reduction

The larger your deductible, the lower your insurance costs will be. If your deduction evaluates to $500, consider increasing it to $1,000 as you can usually save between 5 and 10 percent.

10. Have an old car? Review your optional coverage terms

Many owners of older vehicles don’t realize that some of the optional protections (such as crash and extensive) that used to make sense on a new car may no longer be feasible because the car is much older. You should evaluate the cost of coverage against the value of your car and the deductible you choose. It may not make sense to spend on coverage with a $1,000 insurance deduction if the vehicle is worth $1,000.

11. Own a car that is much less likely to be carried

When it comes to insurance prices, not every vehicle coincides. Some vehicles are more prone to theft which in turn makes them vulnerable to higher auto insurance prices. Own a car that is less likely to attract the attention of potential thieves and you will likely pay less for your auto insurance.

12. Carpool, bike, or take public transportation to work

Insurance prices are higher for drivers who often make commuting home from work a scary day. The thinking is that the more often you have, the more likely you are to have an accident. So if you can use mass transit, carpool, or bike to work afterwards, you’re more likely to be able to lower your insurance costs, and save money on parking and gas too.

13. Contrast auto insurance estimates, at least annually

For profit, you may be lured into just recovering with your current auto insurance provider when you get your recovery documents, but this could result in you paying too much for your coverage. Car insurance prices change frequently, and the only way to know for sure that the current insurance provider is still giving you the best rates, is to compare estimates each year—at least. Don’t let your auto insurance rates slip out, contrast today’s auto insurance estimates.