Auto insurance can be a big expense, but it's a necessary one. Fortunately, there are ways to lower your premiums, if you take the time and initiative to carry out a few tasks. Here are six actions you can do to help lower your next bill:

1. Raise Your Deductible

When you have a low deductible, the insurance company will pay out more than if you have a high deductible. To reward those who opt for higher deductibles, they will usually lower your rates. If you do choose a higher deductible, make sure you have that amount in savings, so you can cover the cost in the event of an accident.

2. Ask About Discounts

Some companies give discounts for having a car with a high safety rating, being a member of the military, being an AARP member or being part of some other organization. It never hurts to ask. You might get tips on which car to buy next, so that you get a more favorable rate on your auto insurance in the future.

3. Bundle Your Insurance Policies

Insurance companies may offer discounts if you have more than one policy through them. Check with your home, life and auto insurance providers to see what they can do to make it enticing for you to move all your policies.

4. Pay Annually

Paying once a year eliminates administrative tasks. It also lowers costs for your insurance company. Your insurer is often happy to pass on some of their savings to you. Even if you can't pay in one installment, try switching to biannually or quarterly.

5. Improve Your Credit

This isn't something you can do overnight, but if your credit is poor, a few actions can go a long way in improving your credit. In turn, you'll get better auto insurance rates, as companies have determined that there's a correlation between good credit and safe drivers.

6. Take A Safe Driver Course

Depending on the state you live in, taking a course can not only help lower your auto insurance rates, but also erase points from your record. Check with your car insurance provider to see the approved courses, then choose one in your area or online.

Doing these actions may help lower your car insurance rates. If you're looking for a new insurer, we welcome you to reach out to us for help finding a car insurance policy that's right for you.