In the current economic climate, many people are taking another look at their lives to cut spending. Even if your job and business is still intact, the rather unstable stock market and low-interest savings accounts call for setting money aside for emergencies and retirement plans. One bill we cannot eliminate is our car insurance.    But the better news is that we can reduce it, saving money without sacrificing coverage quality. Here are six (secret) insider tips your own insurer probably hasn’t shared with you:

Pay ahead of time — Ask if you can save money by paying for six to 12 months of your annual car insurance in advance. If you have a monthly payment plan, you may be paying more, as the insurer needs to spend more to send out monthly bills and collections. Some insurance companies will offer discounts for purchasing longer periods of coverage to ensure that you will continue your coverage with their company. Read more . . .