Here’s an easy money hack: Consider switching car insurance providers every once in a while. While it may be tempting to sit tight with your current auto insurer for years, you might be spending more on your auto insurance policy than you need to. One of the oldest and surest ways to see if you’re overpaying for auto insurance is to shop around and compare rates at least once a year, experts say. “If you’re only going to save $5 a month, it’s probably not worth switching insurance companies. But if we’re talking $20 a month, that’s about $250 a year or more, and you’ll want to look into that,” says Jason Newell, managing insurance broker at 303 Insurance Brokers in Denver, Colorado.