Here are some useful tips to save as much as you can on your Car Insurance. These tips were handed over by Lynn who works for a major U.S. insurance company. You an trust her to give the very best ones. The obly thing you have to keep in mind is that every insurance company is different, so all these ideas work differently everywhere.



10 useful tips for saving on Car Insurance:



First, self-insure as much as you can afford in the following ways:



1. High deductibles: It is the easiest way to cut costs.



2. Avoid towing: maintain you car well– don’t run out of gas, don’t lock your keys in your car, make sure you have a spare. You pay $10 - $30 a year over the life of your policy and one tow costs $100.



3. Remove car rental: Your auto insurance covers any car you rent while vacationing. Do not pay for extra coverage. The only things it offers are:



a. Zero deductibles: You go all year long with your deductibles, so do not change now. If you pay for the car with a credit card, they may pay for any out of pocket in the even of an accident.



b. Downtime coverage: Downtime means that while the rental car you wrecked is in the shop being repaired, it can’t be rented out to other customers and they can ding you for the daily fee. Hawaii is notorious for this. If you want to avoid paying $21 a day for the insurance then you must self insure.



3.Shop ahead: Check up your car insurance before buying. Some companies will increase your liability if the vehicle you are buying is likely to cause more damages or how likely they are to be damaged in an accident, how often they are stolen, and how badly driver/passengers are injured.



4. Think twice about after-market gizmos: If your vehicle is totaled or stolen, the insurance company will determine a fair market or actual cash value by taking the whole package. Therefore, the aftermarket gizmos will add only about $1,000 even if you have spent a whole lot more.



5. Have all of your insurance in one place: Often, the more types of policies you have, the more likely you are to avail discounts offered by some companies.



6. Find out if your insurance company offers any low-mileage breaks that you qualify for.



7. Some companies offer a discount on safety-driving course. Check up if you are qualified for it.



8. Do not pay monthly: Your carrier will charge anywhere from $3 to $5 per month for this type of billing. Pay every six months if possible.



9. Be informed about your insurance company: Not be a money saving tip, but nevertheless useful. Insurance companies are state regulated. They must file their rates with the state and be able to justify any increases. These are public record as are any types of complaints or fines so you can get any information needed.



10. Most companies now use aspects of your credit to determine your rate: It is illegal if done in mid-term. As long as your policy is continuous without any lapses, they can’t use external info to change your rate, only claim and ticket info can be used. You are allowed to request that they re-check your score once per year if the presented credit list was not to your advantage.



Via: Get Rich Slowly