With gas prices sky rocketing now a days we need to find other ways to save money.  Are you sure you are getting the best deal on your auto insurance?  Here are a few tips to get the most discounts that you would never think about:

1) Additional driving classes, take a short defensive driving classes and get a certificate that is good for 3 years, this could save you up to 10% per year on you insurance!  There are also online course you can take.

2) The martial status question, if you are ever asked what your martial status is and you are divorsed, widowed, or legal seperated, make sure you say so, it is cheaper on your auto insurance to be any of these than if you are single!

3) Have kids and want them on their own policy to pay on their own while they live with you.  If they live with you, make sure to put a policy in your name and include them on it even if you will never drive their car!  This can save your child up to 80%!

4)  Use comparision web sites like insurance.com where they will instantly compare and you can actually purchase the policy online through their site.  They will search 15 insurance companies for you and get back the 4 lowest rates.  I have been very impressed with their web site and the awards they have been winning.  And they have very friendly licensed agents ready to help ( I had a question because I couldn’t believe how much money they saved me and I just called up to make sure and they helped me the rest of the way through the process and sent me my insurance information right away).

5)  Try to avoid sites that sell your information like insureme.com and netquote.com as you will receive many phone calls even though you might think it will all be online.

6)   Get the multi-car / multi-person discount if you have more than one car or driver.

7)  The higher the coverages you carry now, the less expensive it will be in the future to carry the same amount or upgrade.

8)  Watch using the “Road Side Assistant and Towing” every time you call, most insurance companies count this as a claim and will up your rate at renewal and future insurance!  If you feel you might need this a lot, try companies like AAA.

9) Don’t be suprised when they say they are running a credit check!  Most insurance companies are using your payment history (not too much your credit score) to figure in what kind of “risk rating” you fall into.  In research insurance companies have found that is most cases the worse your credit ranking the more claims you will submit and vise-versa.  This is not always true, but in the bell-shaped curve is has been proven.

10) Shop about 15 - 30 days before you policy is suppose to expire and buy then!  Do not wait until the day before.  The futher out you buy your policy the lower the prices might be.

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