Want to save money on auto insurance?  I know, it sounds like the beginning of a car insurance commercial, but one of the keys to doing just that is asking your agent about the many discounts offered by insurance companies.  They don’t always tell you about them up front—you have to ask—and some insurers offer some, but not others.  There’s a chance you’re already getting the benefit of a couple of them without even knowing.  Pull out the Declarations Sheet that came with your policy and take a look.  It lists your coverages and your premiums and there is, undoubtedly, a section listing discounts you are currently getting.  Some discounts offered are small, around 5%, but some offer bigger savings, and even the small ones in combination could make a substantial difference.