When it comes to shopping around for car insurance, you might feel a lot like the Geico gecko, but for all the wrong reasons. That gecko may know a thing or two about car insurance, but he’s tiny in a big world. That’s often how people trying to save money on auto insurance feel when they see the complicated insurance terms and all the options that are available to them. Making sense of it all may make you feel like a gecko walking on the center divider during rush hour.

But in reality, saving money on your car insurance shouldn’t be all that frightening. There are plenty of ways to save money, which you may have heard about, but never actually tried. Here are three ways you can save on auto insurance:

1. Shop around. You most likely didn’t buy the first car the dealer showed you, so you kept looking until you found a car that had everything you wanted. You should shop around for car insurance with that same state of mind. Why settle? Car insurance offers you financial protection in the event of a car accident. You want to be sure that you’re fully covered, but you also don’t want to get ripped off, since the odds you get in an accident are fairly low. When shopping around, you may find that another company can offer you the same benefits for a lower price. When renting a car, make sure you have excess insurance.

2. We have all heard of driver discounts, thanks in part to that annoying lady in the Progressive commercials. You may not end up with Progressive as your auto insurance carrier, but keep in mind that all insurance companies offer various driver discounts, including combination discounts, good driver discounts, good student discounts, retirement discounts, loyalty discounts, and many more. Make sure to inquire with each potential carrier to see what discounts you qualify for.

3. Consider increasing your deductible. You may wonder how spending more can possibly save you money, but it really can. Your deductible is the amount of money you pay out of pocket after a collision before your insurance begins to pay the rest. Increasing this amount means you can lower your premium, which means you’ll pay less money every payment period. Increasing your deductible from $200 to $500, for instance, can lower your premium 15 to 30 percent.

So don’t be fooled by an insurance company’s tricky number games or catchy mascot. Do your research and you will be surprised how much you can save!