By Claire Poole Sent: Thursday October 08, 2009

The cost to insure your car has been going up in recent years. It's expected to continue to increase this year. There are steps you can take to keep your costs down:

 

1. Ask your insurer if your policy is in line with your needs. For example, you're working at home now, they might reduce your bill. According to this article on SmartMoney.com, you could save up to 10 percent if you now drive less than 10 miles a day.
2. Consider raising your collision deductible -- this will cut your costs even further.
3. Call with two other quotes in hand. Nothing like the fear of competition to make them squirm.

Get started on those two quotes:

Progressive: 1-800-PROGRESSIVE
Geiko: 1-800-861-8380
AllState: 1-866-609-7200
State Farm: 1-877-734-2265

Want the full scoop? Motor on over to SmartMoney.com: Beating the Rate Hike on Car Insurance.