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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