Tips on Saving money on your car insurance in a recession

So i have been trying to lower my bills all around and one thing i thought i would tackle was my auto insurance. With a decrease in salary and one of our family laid off, i decided to call my Allstate agent and see if i could lower my monthly insurance bill. They had a few options for me one was the value plan which i signed up for and got a huge discount immediately. One of the requirements was to sign up for online auto deductions from my debit credit card. This saves on paper mail and having to write bank paper checks as well. The value plan does eliminate your good driver discount rebate checks as part of the program and it doesnt lower your deductable like the other plans do. So its a trade off for a lower monthly payment. Also if your car is older and paid off with no loan or lien holder you can put just liability on in some states just dont get into an accident. This is ok is you have a clunker and dont want to pay the larger collison policy. This is not a good idea on a newer car and isnt allowed on a car with a bank loan. I also made sure to let them know that i had AAA and an alarm on our new Kia Soul to get a little more of a discount. You can also shop around try calling Geico or Progressive or State-farm insurance and see what a comparable auto policy will cost you its worth the time to call especially if one of the bread winners is out of work and has the time. You can bundle your home owners or renters policy and get a break an all of them if you use one company!