Take a lesson from Nicolas Joseph Cugnot. The 18th-century French inventor crafted a steam-powered car, then smashed it into a stone wall, becoming the first person to have a motor vehicle accident. Today's drivers are more adept behind the wheel than Cugnot, but you still need protection from the unexpected. Here's how to save cash while making the most of your insurance policy.
- Keep It Current Review your policy every year to make sure it reflects the changes in your life. You may find opportunities to save as well as ensure that you have the proper coverage.
- Take on More Risk Raising your deductible is a quick way to cut your premium. If you're driving an older car, consider dropping coverage for physical damage to the vehicle; the car's replacement value might not match what you're paying for this insurance.
- Ask About Discounts Some insurers offer deals if you have both your auto and your home policies with them. You might qualify, but you won't know if you don't speak up.
- Consider Your Ride Check out the Insurance Institute for Highway Safety (iihs.org ) for a look at the safest cars. They usually qualify for less expensive insurance. Costly features such as rims, however, could drive up your premium.
- Book It Teens and seniors can save money by taking AAA-approved skills courses. Visit AAA.com/safety  for details about the AAA Mature Driver and TeenSmart programs.
To learn how you can save on AAA insurance, call visit AAA.com/insurance .
This article was first published in November 2008. Some facts may have aged gracelessly. Please call ahead to verify information.