Car insurance is something that not a whole lot of people know how to save money on.  That is what we are here for, to help you along the way.  We are going to go over the top ten tips and tricks that will help you save money on your car insurance and will truly help you in the long run!  Car insurance is a tricky thing but I promise … follow these tips and you’ll save hundreds!

The first tip is driving less.  Do you find yourself driving for hours and hours – just for no reason?  Don’t.  If you drive less than 7,500 miles per year, you can actually qualify for a low-mileage discount on your auto insurance, which will make your premium really low!

Walking to work is a fantastic way to make sure that you do not drive a whole lot and it will also make you healthier, which is always nice!

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Now that we have talked about walking to work, the next tip to save a heck of a lot of money on your car insurance is do not use your car for business purposes.  Yes, I repeat, DO NOT use your car for business purposes.

Some insurance companies will actually add in a business use surcharge or increase your car insurance premium if your annual mileage increases – which is not what you want to deal with.

If you have to use your car for business purposes, make sure that your company or your agent knows so that way your daily business travel will be covered.

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Whether you are getting car insurance for the first time or simply looking for a new car insurance company, getting a new policy can be an exercise in frustration — that is, it can be, but it does not have to be, not by any means.

There are a number of things you can do to make this easier — and you can get a good deal in the bargain.

For instance, installing some anti theft devices on your car can ultimately save you money. When you take a proactive role to keep your car safe, a car insurance company is really going to appreciate that.

You also need to think long and hard about purchasing any add ons — spoilers, custom exhaust systems, and so on. These can be expensive, but your company may not pay the full amount for them if they are damaged.

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The way you think can help you a great deal when you are shopping around for a new policy.

Specifically, you need to think about the inverse relationship between your deductibles and your premiums. If you pay more for your deductible, then the premium will be less — and vice versa.

If you have other, older cars, then consider dropping any comprehensive coverage and/or collision coverage on them.

You need to keep an eye on your credit report as well. Car insurance companies will be; they use it to determine how much you pay. Make sure it is in good condition.

You may be able to save money by purchasing your car insurance from the same insurer who covers your home as well. This is known as an umbrella policy.

See if the companies in which you are interested offer discounts if you have taken a safe driving course or a defensive driving course.

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When you are dealing with car insurance and you live in states like Michigan and New York, there is something that you need to worry about – snow.  Warmer climate states do not have to worry about snow, however if you are in the northern states, you do.  Now, as usual, the different parts of your auto insurance cover different things, so it is important that you know what your car insurance covers if you do get into an accident.

Firstly, you need to know that there are different kinds of coverage.  There are Collision coverage, liability coverage, uninsured/underinsured motorist coverage, and medical payments coverage, all of which are different!  While most people think of just auto insurance, they do not understand all of the different parts of them.

Well, that is what we are going to pick apart in the next blog, so stay tuned!

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