Car insurance is one of those things that's a pain to shell out money for—but really comes in handy when you need it. And you definitely don't want to be caught without it. Still, you want to avoid paying more than you need to for your car insurance coverage, which is why you should keep a few money-saving tips in mind.

Negotiate Points Off Your License

If you have points on your license, this is most likely affecting your car insurance premiums—and not in a good way. It can't hurt to check with your state's department of motor vehicles (or similar bureau) to see if there's anything you can do to drop some or all of these points off your license early. For minor offenses, you may be able to have points dropped by taking an online driver's safety course or similar class. Once the points are removed from your driving record, you can enjoy added savings on your insurance.

Scrutinize Your Credit Report

Your credit score also plays a role in how much you pay for car insurance, so be sure to review your credit report regularly and be specifically on the lookout for errors. An error on your credit report can affect your credit score, which can, in turn, cause you to pay more for your insurance than you need to. Be sure to file a formal dispute for any errors you catch on your report so you can have them corrected as soon as possible. From there, you may need to let your insurance agent know so he or she can re-run your quote.

Take Advantage of Every Discount

Car insurance companies offer a wide range of discounts to help drivers save money, so check with your agent each time your policy is up for renewal to be sure that you're taking advantage of every discount available to you. Some examples of discounts that may be offered by your insurance company include safe-driving discounts, good-student discounts, and even discounts for driving your car a low number of miles each year. In some cases, you may even be able to enjoy a pretty substantial discount by paying for your policy premium in-full rather than in monthly installments.

If you're looking for cheap car insurance, following these practical tips will help you save without sacrificing the quality of your coverage in the process. From there, you can get behind the wheel with confidence.