How to save money on your car insurance

HOUSTON (KTRK) -- If you want to save money on car insurance, there are ways to save, but you'll have to consider three big items that will make your rates go up.

According to a Consumer Reports study on the national average of a couple owning two Toyota Camrys, having poor credit will hurt you the most. Expect to pay $2,090 dollars more.

If you are a parent of a teen, expect to pay $1,500 more.

If you have two "at-fault" accidents, that will cost you $1,100 more to your premium.

Here are some ways to decrease your premium:

Not everyone can do this, but if you can become a homeowner, you'll save $110.

Another way to save, increase collision deductible from $500 to $1,000. That'll save you $140.

If you buy a home and bundle your homeowner's insurance and car insurance, you will save $235.

Getting married will save you big time. That's $535 back in your bank account.

And finally, if you have been with the same insurance company for years, don't assume you are getting a great deal. Insurers sometimes take advantage of you doing nothing, so shop around.