Is your auto insurance premium becoming heavy on the budget already? Or are you sold with the idea that your auto insurance is cheap enough? But how can sure can you be? Below is a list of easy and affordable things you can do to help cut down your auto insurance cost.  Chances are you will still be able to save a lot of your car money if you apply some or all of these. Below are the top 7 ways on how you can change your current auto insurance into a cheap auto insurance:

Re-Check Your Mileage: This is a great way to get cheap car insurance: If you are really close to the "miles to work" break-off, you may want to check your mileage closely. When your car insurance company or insurance agent asks you "How many miles do you drive to work one way?" this is a crucial question that will designate you into a particular class. Each class can have significant differences in prices.

Make EFT Payments: Many car insurance companies are now charging up to $5.00 or more for mail payments, but sometimes nothing if you choose to have payments automatically deducted. And, sometimes the deductions can come from your credit card, so you don’t have to worry if the money will be in your bank account when payment time comes.

Defensive Driving Course: Some companies give considerable discounts on car insurance for attending defensive driving courses. Check with your state insurance commissioner, insurance company or when obtaining an online auto insurance quote to see if you could qualify and to find out where to take courses.

Combine Auto and Home or Renter’s Policies: Most insurance companies give a discount if you carry your auto and home or renter’s policy with the same company. This discount can be anywhere from 5%-20%!

Watch Your Credit Score: Another great tip to get cheap car insurance - keep your credit clean! Yes, a lot of insurance companies are checking your credit and basing your policy on what is found. Make sure you check to see if your credit is in good shape, and if it is not, you may want to seek out companies who do not do credit checks.

Forgo Extra Rental Car Coverage: If you have comprehensive and collision coverage on your current vehicle, you might not need rental coverage. You are covered as much on a rental car as you would be on your vehicle. So, if you have a fairly new car you should be OK, but if your car is only worth a few thousand, you should get additional coverage.

High Risk? Get Help: Whether you are in the process of obtaining an online insurance quote or using a local agent, if you are in a high accident risk category and when you try to get insurance you either get turned down or cannot afford the ridiculous high premiums, you may want to contact your state insurance commissioner. All states have insurance for high risk individuals who may not be able to obtain insurance elsewhere. The coverage may not be the greatest, but at least it will get you rolling again.