According to the Automobile Association of America, insurance alone costs car owners an average of $939 a year. Just follow the action plan given below to cut down on your car insurance costs.

Get credit for driving less:
If you are one of those people, who have started driving less, then tell the insurance company. Driving less than 5,000 miles a year will give you 10% off on your insurance.

Check your credit reports:
Your credit history may be influencing your auto insurance premiums. A 2004 survey found that 79% of credit histories contained some type of error. You can get your free credit report at websites like www.annualcreditreport.com. Make sure that you report any errors to the Federal Trade Commission.

Get a professional discount:
In some states large insurers give discount for people in certain low- risk professions. So check out what professions can avail the discount and apply for it.

Join a club:
Some insurance companies offer discounts to young people, who join civic or community organizations. If you are thinking about switching your insurance companies, make sure you ask them about these kinds of discounts.

Drop coverage on your old jalopy:
If you have an old car you may not want to drop the comprehensive coverage. That's because you'll probably pay as much in premiums over a few years as you'd pay to replace or repair the car.

By following these tips I have availed the benefit of lowering my car insurance costs. You should also try to avail the benefits available. Why pay extra money, when you can afford not to pay!