You have to have insurance if you have a car. However, that doesn’t mean you need to take the first policy that you see. Prices and plans vary greatly between providers, and it usually pays to shop around. By educating yourself on the insurance buying process, you can save money on an affordable policy that meets all of your needs. Reducing how much you drive every year can lower your insurance amount. The less you drive the lower you can get your monthly premium. Prior to installing aftermarket additions on your car, find out from your insurer how much will …