If you have found yourself thinking about needing to cut back on your expenses some, whether it's to save money for a vacation or just so your monthly budget is a little easier to handle, you might want to take a look at how much you are spending on auto insurance. You might be surprised to find that there are some ways you can reduce the cost of your car insurance premium. Here are some examples of how you can do just that:

Drop The Rental Reimbursement And Towing Add-Ons 

It might at first seem as though having these additional benefits as a part of your car insurance coverage is a good thing. However, when was the last time you needed to make use of rental and towing reimbursements? Many people have purchased emergency roadside assistance memberships which give them many free towing miles as well as other benefits. If these are not things that you use, you are throwing money away. Call to have those add-ons removed. Even if they are only costing you a little bit of money, it all adds up.

Request To Have A Higher Deductible

Too many people make the mistake of assuming that having the higher deductible costs them a lot more money when it is in fact usually the opposite. You see, the higher your deductible is, the less the car insurance company has to pay out on an accident claim. They want to encourage people to take the higher deductible and can give them some premium discounts when they do so. If you stick with the lower deductible, your rates will tend to be a little higher. If you are not someone that tends to file a lot of auto insurance claims, you can save money by making this one change.

Make sure that you are giving your car insurance agent a call to first see how much they can reduce the amount of your yearly premium. You can then start calling around other insurance companies to see what kind of deals they can offer you. Be careful to make sure that you are comparing the prices for the same amount of coverage so you aren't trying to compare apples to oranges. Call your insurance agent back to discuss this further if you are able to find cheaper rates elsewhere. They might be able to do a price match in order to keep you as one of their customers, especially if you have been with their company for a long time.