More than likely, your auto insurance payments aren't the most expensive bill you have to cover each month. Even still, it's probably a large enough bill that it would be nice to somehow find a way to reduce that payment and keep more money in your pocket, especially for something like insurance where you're paying for something that might never happen.

There are quite a few things you can do to keep your insurance payments low. Some of these take longer than others, some depend on your current driving history and some have more of an affect than others on your bottom line. Here are some ideas to consider to make sure you're getting the best coverage at the lowest rates.

Reduce Your Annual Mileage

The estimated number of miles you drive each year is used as one of the factors that determine your premium so ideally, you'll want to keep this number low. You don't want to lie about it though. However, if you can use public transit, carpool or commute to work or find other ways to keep your annual mileage low, that should have a positive effect on your insurance payments.

Keep Your Driving Record Clean

For this one, the damage might already have been done. But looking forward, it's always better in the eyes of the insurance companies if you have a clean driving record. This means no convictions for driving offenses, speeding tickets, at fault accidents or other incidents that would cause the insurance companies to categorize you as an unsafe driver.

Just Say "I Do"

Other than getting older, getting married is one of the things that has the most significant impact on your auto insurance premiums. Of course this might be a little over-the-top if you're not already thinking of getting married, but it's certainly good to keep in mind once you find that special someone because when you do, you should be sure to send your insurance company an invite...or at least have them update your policy so you get your new, lower rate.

Consider Buying Online

The difference between insurance quotes from multiple companies can be pretty significant. But the only way you'll know is to get multiple quotes so you can compare your options, both in terms of price and overall coverage. That way, you'll know exactly what type of coverage you can get for your money. The best and most efficient way to get multiple auto insurance quotes is to go online. Many websites offer auto insurance information and free quotes pulled from several insurance companies at once, allowing you to quickly rate which offers best meet your needs. You simply enter some basic info and you'll get multiple quotes from insurance companies that provide insurance within your area.