Times are becoming increasingly harder, and this recession, as analyst and experts say, is not going away anytime soon. This is why everyone needs to know how to scrimp, or even totally avoid, on unnecessary spending. We all know that auto insurance is a necessity, however, there is no reason why we can't take a careful look at the policies we have, and find out ways on how we can keep our money IN our pockets instead of OUT to pay bills. Listed below are some of the most effective tips that you can use as your auto insurance guide and help you minimize how much it costs to insure your vehicle: 1.Learn to use discounts towards your advantage. Ask your car insurance companies for a list of discount options that you may be eligible for, if you're not already getting one. 2.It would be more effective to peg you deductible at a higher amount to enjoy lower premiums, just don't make it too high or you might not be able to file a claim in the future. 3.Contrary to what others might think, defensive driving classes are a good way to learn to avoid accidents, and have the added perk of making you eligible for discounts. 4.After-market safety and security devices, once installed on your vehicle, may also bring costs down. 5.Remove redundant coverage. Personal Injury Protection (PIP), for example, does the same thing as your medical insurance coverage so why keep it? 6.Your carrier may reward you with lower prices if you choose to pay yearly in advanced. Many people have benefited from these few, simple auto insurance guide and it only takes a little bit of your time and effort to apply these steps to your policy, and be on your way to a better and more affordable auto insurance coverage as well.