Buying auto insurance can be tricky. There are so many advertisements about saving you 15% or more on auto insurance. Not only Geico, Esurance, etc but several leading companies want to save you money and nearly promise you the savings before really knowing what your auto insurance variables might be. How can they instantly save you money on auto insurance if they dont know what my auto insurance needs or wants are?Simple.Many direct writing auto insurance companies will sell you on price rather then coverage. The problem here is that with lower coverages, are you putting you and your family at risk for potential lawsuits if you dont have enough coverage?Scenario.Client calls a direct company and states that they want to save money on auto insurance. They currently have limits of liability at $100k per person and $300k per accident. The agent tells them that they can save them 15% on auto insurance if they lower their coverage down to $50k/$100k. This could prove costly.Solution.In tough economic times, we all want to save money on fixed expenses. In fact, over 1/3 of our income goes to insurance premiums! So, saving money needs to be on discounts, consolidation, comparison shopping and maybe most importantly, using an independent agent. See, an independent agent can do all of these above. A captive or direct agent/company typically only sell one company.www.rickclineagency.comwww.affordableamericaninsurance.com