Automobile insurance rates, maintenance and repair costs, and vehicle ownership expenses continue to rise. Gasoline reached record high prices in 2008, and the U.S. Energy Information Administration expects fuel prices to rise again in the future.

Thankfully, you don't have to alter your driving habits or buy a new car to get some relief. Here are some quick, inexpensive and easy ways to save money with your car.

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Get slick to save fuel and reduce maintenance costs.Oil is the lifeblood of your engine, helping to keep it running efficiently and effectively. Over the winter, you might have changed the viscosity of the oil in your car (especially in colder climates), but in the warmer weather, you'll get less protection as things heat up. Not sure what oil to use? Defer to a professional or use the grade of motor oil recommended by the vehicle manufacturer to achieve optimum engine protection and fuel efficiency.•

Reduce your insurance costs by doing your homework.One of the simplest ways to reduce insurance cost is simply to shop around. Prices vary from company to company, so it pays to do your homework. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state's insurance regulator also might provide price comparisons. Other ways to reduce insurance costs can be found by visiting the U.S. Insurance Information Institute's Web site.•

Mind the air pressure to save money on fuel.The U.S. Energy Department reports that under-inflated tires can increase fuel consumption by up to 3 percent. One study estimates 50 to 80 percent of the tires rolling on U.S. roads are under inflated. Astonishingly, we could save up to 2 billion gallons of gas each year simply by properly inflating our tires.Secondly, a clogged air filter can increase fuel consumption by as much as 10 percent. Air filters keep impurities from damaging the interior of the engine, so replacing dirty filters will save gas and protect your engine.•

Keep your vehicle clean.Your car, truck or SUV has likely just weathered the harsh conditions and corrosive elements associated with winter, including freezing rain, snow, ice, sand and salt. Keeping it clean will help protect your investment from the chemicals and dirt that attack your car's finish and undercarriage. Be sure to use quality cleaners and waxes specifically designed for handling a car's finish as regular dish soap will actually break down your wax and could harm the underlying paint.More tips to save money on fuel are available at www.fueleconomy.gov.