The Hartford Financial Services Group has advice for saving on auto insurance. Find out more at hartfordauto.com.

This three-step, 10-minute plan is designed not only to help you save money, but also to help you stay protected:

Step 1 -- Think long term: Most insurance companies think in the long-term too, and they prove it by offering additional benefits to long-time, loyal customers. Drivers thinking of switching insurance providers just to save on their monthly payment should first check with their insurance provider to see about any additional savings they may soon be eligible for.

Step 2 -- Delve into discounts: While insurance companies have their own set of numbers that they use to evaluate the potential risk of individual drivers, there are ways to make the numbers work for you by consolidating. For example, many providers offer group plans from employers or through professional, business and alumni groups or other associations. You could also consider family discounts. Similar to any family cell phone plan, most companies are able to offer special rates when households insure multiple vehicles or even their homes under the same plan. Another discount is the low mileage discount, which benefits those who carpool.

Step 3 -- Pay wisely: Believe it or not, paying your rent on time can actually have a bearing on the cost of your car insurance. That's because your credit score is an important factor in determining your rates. And that means the bill-paying balancing act may actually cost you more on insurance. If you find yourself having to make the best of a challenging financial decision, try raising the deductible on your policy. Increasing a deductible from $250 to $500, for instance, could reduce the collision and comprehensive coverage premium by 15 to 30 percent while keeping you protected in case of an accident.