After health insurance, most people would agree that car insurance is the greatest expense in a person’s budget. It may seem like rates are always increasing, but there are ways to save money on your car insurance premiums. Check out these tips: 
1. Increase your Deductible.
A $200 deductible looks like a good deal, that is, until you figure out that the cost for having a deductible at this level can significantly increase your rates. Think about increasing your deductible, which in turn save on your monthly premiums. However make sure that you can afford this deductible when the time comes.
2. Hunt for Discounts
Newer cars have better safety features. These may entitle you to a discount. There are also good student, and defensive driving course and good driver discounts available. Talk to your agent to find all those you are eligible for.
3. Bundle Policies
You can purchase, home, life and other policies from the same carrier, which should help save on your monthly premiums. Certain carriers incentivize policyholders by offering rewards for buying all their insurance policies from them.
4. Use an independent agent. As an independent agent, we can shop many different carriers and offer advice on the best coverage for your situation and budget.
Decreasing car insurance costs is definitely achievable, if you follow the steps above. The next time your policy is up for review, you will be armed with these tips, so ask your agent if you qualify. Call us today.