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Car insurance is a singularly unique budget item. It’s expensive, the laws dictate you must have it, yet it’s an outlay of funds for something you hope intensely you’ll never need to use. But don’t even think about going without car insurance. In Pennsylvania, allowing car insurance to lapse earns you a suspended vehicle registration privilege for three months. Insurance companies are required to notify PennDOT when a policy is canceled. The registration plate, registration card, and drivers’ license must all be surrendered. Then you’ll pay a restoration fee and need proof of insurance before getting the registration back and driving privileges restored. Paying a steep civil penalty plus restoration fee plus proof of insurance is the only way around the three-month suspension. So what can you do to make car insurance less costly? There are many approaches to saving money on auto insurance by exploring options up front. You want great coverage but shouldn’t pay for insurance you don’t really need. Let’s look at 11 of the best practices. 1. Compare, compare, compare Similar to the realtor’s mantra of “location, location, location,” your best protection against inflated auto insurance is to thoroughly compare the rates various companies offer you. Don’t skimp on the comparison. It may seem like a pain but just do it. Comparison will reward you with lower expenses each month. But there’s a right way and a wrong way to compare. Compare apples to apples. Each quote you get should include exactly the same protection limits. Be very clear about what you want. Get the protection you need, but don’t buy into offerings that don’t fit your needs. Cheaper isn’t necessarily better. You could seriously regret protection you didn’t . Compare the offerings of multiple auto insurance companies , not just two or three. Compare online rates with quotes received via a phone call, or meeting with an agent in-person . Sometimes, but not always, online rates may have different coverage options on the proposal than you requested. Make sure you look at all of the quotes, side by side, and that they are all the same coverage options. Compare rates annually or every couple of years . You may be surprised at what you discover. Compare before your current policy ends . Some companies give an “early quoting” discount if you shop for your insurance 7+ days before you need the new policy. Compare insurers before you buy your next car . Models with safety features, cars that are deemed safer vehicles, and medium-priced cars rather than expensive can significantly lower your rates. 2. Bundle your home and any other insurance with your auto insurance Not only will you get discounts by using the same insurance company for multiple policies, it simplifies your financial communication by having just one agent. Multi policy discounts are nothing to overlook.