When you look into saving money on car insurance, you will be checking for the best discounts, coverages and even car type to make sure you're getting the best rate possible. You can look high and low for every last discount, but one of the best ways to save serious money on your auto insurance is hiding in the payment you make every month.

Companies charge you to make payments. Some charge up to seven dollars a month or even more for the privilege of making a payment instead of paying in full. Even a seven dollar a month payment adds up to $84 a year. If someone told you that you could save at least $84 on your auto insurance for any other discount it would be amazing. When you pay in full there is even a discount with some companies that is above and beyond that extra charge for making payments. You could save $84 on payment fees plus an extra 10% or more for paying in full. That is a lot of saved money.

It can be difficult to find ways of getting that much money together at once to pay your full auto insurance premium, even if you know it is the way to save on car insurance. Consider saving some of your tax return or any other windfall you have during the year and putting it into an auto insurance fund. You can replenish that fund with monthly payments if you need to, and then you will still make monthly payments, but they will be a lot less than your monthly payments used to be.