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Ways to help save money on your car insurance

FILE - Traffic along I-5 in Seattle (KOMO Photo)
FILE - Traffic along I-5 in Seattle (KOMO Photo)
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Feeling the pain of high car insurance costs every single month?

With auto premiums recently rising higher than inflation, Consumer Reports says it’s more important than ever to find ways to lower your bill. The good news is, there are a few cost saving tips that actually work to lower your bill.

First, raise your deductible and cancel coverage you don’t need. A $1,000 deductible compared to a $500 might sound like a lot, but it could reduce your premium by more than 10%.

If your car is older, consider canceling collision and comprehensive altogether because you could end up paying more than you would get back in repair or replacement costs.

If your car’s current value is low, you probably don’t need to be paying for these extra coverages.

RELATED | Should you give up your privacy to save on auto insurance?

Consider tracking. Programs like State Farm’s “Drive Safe & Save Connected Car” and Progressive’s “Snapshot” use technology to track your driving habits.

Many drivers will get a discount right out of the gate, but Consumer Reports says there’s something to keep in mind.

“You’re looking at a privacy tradeoff,” said Kaveh Waddle with Consumer Reports. “So, if you’re willing to give up some of these details about where you’re going and how you’re driving, how often you’re driving then you might see some benefit, but if you don’t want the insurer riding shotgun with you then you might say no to some of these programs.”

Even if you don't want to get tracked, being a safe driver will still reap rewards. Even one driving violation or insurance claim can quickly raise your rates.

If you don't think you're getting a good deal with your current auto insurer, shop around. Two auto insurers have consistently landed in the top tier of Consumer Reports' ratings: Amica Mutual Group and USAA Group.

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Consumer Reports also reminds car owners that in general, the more expensive the car, the higher the premium because expensive cars cost more to repair and replace, so be sure to keep that in mind when buying your next car.

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