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When looking around for less expensive car insurance, do a little homework first. When shopping around, select your car insurance company carefully. Your car insurance company should offer both fair prices and excellent service. These tips will help you find the right insurer for you:
•    Research your state’s car auto insurance requirements:
All states now call for you to carry some form of a minimum amount of liability coverage. Many states have “no-fault” auto insurance systems. Coverage for medical costs for you and your passengers is optional but I recommend it if you don’t have health coverage. Coverage for damage to your car is optional.


•    Put together your personal car insurance profile:
List relevant information relating to what type of car you drive, where you drive, who else drives. Also, check what your driving record is this will cut down on your car insurance coverage if you have no points on your record. Next, where you live, what optional safety features your car has. This outline will make the next step easier.
•    Comparison Shop:
Prices for the same car insurance coverage’s can vary by hundreds of dollars. So it pays to shop around by checking out car insurance companies websites. Ask your friends, check the Yellow Pages, and call your state insurance department for guidance. Contact insurance agents or companies for general pricing information. Select a few insurers for personalized quotes.

p.s Check out at least 3 websites and read before calling the agent. Asking the right questions before buying car insurance will save you hundreds.

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Stop!!! Don’t over inflate your mileages it will cause your car insurance to go up. Most consumer grab at the first mileage the car insurance agent tells them. Ex. The car insurance agent says, “The typical mileages most consumers drive is 12,500.” That puts the thought in the consumers head because their car insurance agent said it. The car insurance agent is trying to boost their premiums by bumping up small things on the application; mileages are one of them. Naturally most consumers say -YES to their car insurance agent! MoneySavers have reported that a quote of 5,000 mileages is the cheapest quote. If you drive your vehicle on business, always declare this rather than just include the business miles as personal, or the policy may be void.

p.s Most states now have ride sharing programs for all types of industries check the web for programs and reimbursements.

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Any added extra security devices will assist in the reduction of your car insurance bill. Fitting an alarm or immobilizer security device particularly one that is approved by your car insurance company will reduce the bill substantially. This can reduce your car insurance up 10-5 %.


Theft and accidental damage greatly puts a wedge in-between you car insurance costs. If you park your car in a security enabled car garage with a 24 hour car attendant make sure you tell your insurance agent. This will reduce your car insurance by as much as 7%.  If you park your car in your garage or driveway it’s a big deterrent to theft. This means accidental damage is less likely and your car insurance will be reduced 3% drop in car insurance costs.

p.s Don’t drive while talking on the phone this has caused 23% rise in accidents. This will alos drive up your car insurance premiums with a ticket!!!