After comparing costs, you may decide that the extras won’t do much for you. However, if the extras cost a bit more than their alternatives but you still want to take them on to keep all of your services under one roof, you could still get some bang for your buck with your insurance company by doing the following:

■Seek the discounts: When you’re looking to save money, one of the best ways to go is to look for auto insurance discounts. There are tons of discounts out there, including safe driver and student discounts. Check them out!
■Look for Pay-as-You-Drive (PAYD) offers: Some companies offer discounts for paying as you drive. For instance Progressive Direct offers a Snapshot Discount that allows you to save money as you drive by plugging a monitoring device in your car that keeps track of how you drive (not how fast or where). By taking advantage of this offer, you could save up to 30 percent on coverage.
■Change your deductibles: Raising your deductible on your car insurance could save you money on your monthly premium, but if you take this route it’s important to make sure you actually have the money set aside if you need it.
For the most part, the extras that car insurance companies offer could be of great benefit to drivers if they are not already taking advantage of other options. The best way to determine whether they are best for you is to carefully look at the costs for your alternatives then decide what benefits you get in return.