Do you recall that Yellow Pages ad campaign, the one that says "Let your fingers do the walking"? That is what you should do when you try to maintain your car insurance. It is definitely easier to retain your old insurance provider and just keep paying for policy renewals every single year. However, if you keep going at this, you will only end up wasting money on your car insurance as your car gets older every year and you still pay the same premiums on it.

It really pays to shop around for new insurance providers every time your auto insurance policy is about to expire. Insurance agents are more accommodating to new clients because they want new business pouring into their pockets all the time. They can make you an offer that closely matches that of their competitors and they will try to sweeten the deal with great discounts on multiple coverage. Thus, you will only end up a sure winner if you do your homework and shop around.

Here are a few ways by which you can save on your car insurance policy:

1. Go for a bigger deductible. You can get lower premium rates if you opt to go for a bigger deductible. For example, if you choose to have a $1,000 deductible instead of $50 on your collision coverage, you are definitely up for savings on premiums. Of course, you just need to have $1,000 ready if and when you do get into a collision accident.

2. Reevaluate the coverage needed for your older vehicles. Do you really need to have full comprehensive coverage on a car that you purchased ten years ago? If it gets totaled on the road, you will only get less than its full value on claims. It may be best to reconsider having full coverage on your car if it is an old model. As long as you meet your state of residence's minimum requirements and you have insurance in case of third-party injuries, you are good.

3. Consider multi-insurance. Multi-insurance policies are a good thing because they always result in hefty discounts. Do you have more than one car at home? Why not have your cars insured by the same company? All insurance providers have them and are only willing to offer them to their clients; if not, then move on to another provider.

4. Ask for safety discounts. Did you know that you can get discounts on insurance policies if you have safety devices installed in your car, such as alarms, anti-lock brakes, air bags and seatbelts? Ask your provider if they provide discounts for these and enjoy even lower premiums.

You will not get these kinds of savings if you do not shop around for the best deal available every time your car insurance policy goes up for renewal. It does not hurt to try and save some money, so try and shop around for your car insurance next time it is about to expire.