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With the right tools and timing, it’s easier than you think to lower auto costs, without sacrificing coverage, safety, or convenience.

The cost of owning a car goes beyond a monthly payment. Fuel, insurance, maintenance, and repairs can pile up, especially if you don’t regularly check for savings opportunities. Whether you drive daily or run errands occasionally, these five expert-backed strategies can help you reduce expenses and make smarter decisions about your vehicle. Refinancing might help you qualify for a lower…