It is hard to believe that December is here.  Even harder to believe that the end of the decade is here!  (It just doesn't feel like that long ago we were all preparing to celebrate the millenium--and fretting about the Y2K problems--does it?!)

We know lots of people are ready to say good riddance to what has been a very difficult 2009.  So let's end the year with a bang. 

Over the next 31 days, we are going to bring you a Money Dish Tip each day.  These smart, simple money moves will help you get get your personal finances in shape before we kick off 2010.

We promise, no heavy lifting (we know how busy this time of year can be) and no long, complicated advice.  Just easy to use tips that can make a quick difference in your family's budget and well-being.

Be sure to stop by Daily Money Dish every day for the latest tip.  (And please be sure to tell your friends to stop by too--it could be one of the best gifts you give them this year!)

SO, without further ado, here is Year-end Smart Money Move #1...

Save money on your car insurance premium.  Check the deductible on your automobile insurance policy.  You can find your current deductible on your policy or simply by calling your insurance company and asking them.

If your comprehensive and collision deductibles are less than $500, you can save hundreds of dollars next year by raising your deductibles.  Raising your deductibles from $200 to $500, for example, can save you as much as 30%!

If you pay $1,000 a year for car insurance, this one simple money move can save you as much as $300 instantly!

Keep reading for 9 more ways to save money on your car insurance.