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.

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!

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!

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.

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.

Next, when you are calling around to agents and getting low rates, make them go down.  Sharp car insurance agents like to compete, especially against other businesses and companies, so make sure that you are telling them that you can take your business elsewhere if needed – that will get you the lowest rate.

Car insurance quotes are all about how you plan the game … seriously, make sure that your head is in it and you will see what I mean!

Well, it is true that car insurance quote websites are super fast, but really … it is very hard to get the lowest possible rate out of them.  The reason for that?  Well, a hacker could break into the site and then give the lowest rate to anyone really … that is why you really have to take what the site says with a grain of salt and it is better to follow up with the company themselves.

The next myth?  If you contact every single agent, you will get a better rate.  Well, this one is not always the truth but if you do contact the agents, you do have a better chance of getting a really low rate.

For one, if you have to get multiple insurances … health, home, theft and car – bundle them together, I can promise that it is going to save you a heck of a lot of money.  Another great discount is for hybrid cars.  If you are on that rock, you should certainly be taking advantage of that discount.

Some more car insurance discounts include buying online and even being a safe driver!  You just have to find the discounts that you are eligible for and I can assure you, you will save a bundle!

That is exactly what we are here for!  To help you find the best deal.  Firstly, whenever you are dealing with car insurance, you want to ensure that you are shopping around quite a bit.  Ensuring that your car insurance company is a good one and offering up competitive rates is very, very important.

Comparison shopping is something that many people do not think to do – however if you are like many American’s, you have to be competitive and compare everything!  We are going to talk about some discounts in the next blog, you can’t miss that one!

In other words, keeping your car in a garage can benefit you in much the same way as anti theft devices can. You are keeping your vehicle safe, which makes you a better investment for your car insurance company.

Keeping your vehicle in a garage also lessens the risks for other kinds of damages that many vehicles receive. For instance, out in the driveway, literally anything could happen to your vehicle, from getting hit to having a tree fall on it — and your insurance company has to pay for that.