HOW TO LOWER CAR INSURANCE BILL?

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Insuring you car may be non-negotiable, but your auto insurance bill is open to adjustment.

Eric Dinallo, the state's superintendent of insurance, says updating your insurance company about any life changes is one way to trim costs.

"Maybe you have aged into a certain class where you get a better senior's discount," said Dinallo. "Maybe you are a member of an organization, whether it's the AARP or AAA, or you went to a certain school and that will qualify you for what is often called a mass-marketing discount. Maybe you had two accidents, but now it's been greater than five years, and you would sort of qualify for a re-start on your accident history."

Also, make sure your mileage is consistent with what is stated on the policy. You may be driving less, and therefore owed a discount. [read more]