Car insurance is one of those bills that feels like it’s constantly creeping up, but I managed to cut my car insurance costs without sacrificing coverage. The first step was shopping around. I had been with the same provider for years, assuming it was the best deal, but when I compared prices, I found lower premiums from other companies. The next move was raising my deductible. By increasing it just a little, I was able to lower my monthly payments significantly. But here’s the real kicker: I took a defensive driving course, which gave me a discount for being a safer driver. Also, I switched to a policy that offered pay-per-mile insurance, which is great for those who don’t drive much. Finally, I made sure to take advantage of every discount I could find: from bundling my car and home insurance to installing a tracking device that monitors driving habits. By combining these simple steps, I cut my car insurance costs by 30% without losing any coverage. It’s amazing how many ways there are to save without compromising your protection.