Way to save money on car insurance

Choose the right car: Before you buy a car, check with your agent to see how much the rate for the car you have chosen will be, and if the premium and the car payment fit your budget.

Choose a higher deductible: Your insurance premium can be decreased if you increase your portion of the risk. Raising your collision and comprehensive deductibles from $250 to $500 or higher can save you nearly half the cost. You do need to be aware that you will have to pay the higher deductible any time you use these coverages.

Eliminate duplicate coverages: You may have an overlap in coverage, such as medical coverage and health care, or collision and uninsured motorist property damage Ask your agent to explain what each coverage offers.

Shop around: Because each company's rates are based on its own loss experience, the premium charged by different companies can be different for the same driver. However, the cheapest insurance isn't necessarily the best. Make sure you tell the agent if you have any special equipment or additional drivers.

Companies differ in the skill, care and speed with which they settle customers' claims. Our office can not recommend one company or policy over another.