Want to save money on auto insurance? Every other advertisement says they know how to do it! Well how do they?1. Improve your Credit Score: Nearly every auto carrier now runs your insurance score or credit soft hit in order to determine if you pay your bills. You may have a great driving record but your credit will increase the rate much faster.2. Combine the auto and home insurance with the same company: Many insurance companies know that if you have both your auto and home insurance with them, you are more likely to continue to renew your policy. So they deepen the discount. Take advantage of it!3. Look to reduce coverages but not Liability coverage. If you call an 800 number for auto insurance, they may ask you what you want to pay? Well what coverage does that buy you? In many cases, it is too low of a coverage in the event of an auto accident. Start by increasing deductibles and looking to liability only instead of full coverages on autos that are older then 12 years or more then 125k miles.4. Find an independent agent. Independent agents go through multiple carriers rather then just one company. If you are with an agent that only sells one company, then in theory, they work for the insurance companies best interest and not yours.5. Shop: Insurance companies consistently change their appetite based on their losses. Did you know they can file new rates with the insurance commissioner multiple times during your term? That could lead to higher rates for sure.6. Ask about all of the insurance carriers discounts. Many companies are coming up with real impressive ways to give you a discount. Early quote discount, multi vehicle, Auto and Home discounts, Defensive Driving, Good Student.7. One thing you may have seen is that Auto Insurance companies are beginning to put electronic devices in cars to monitor driving activity. Get used to it. It is the future of auto insurance. It can be a nice advantage to you if you fit into their good driving programs based on your driving history. Especially if your auto is not used that often.Hopefully, this gives you some good information on how to save on auto insurance. Keep in mind that insurance premiums change after each term so locking in an annual term is a great idea!Send me an email with feedback or if you would like me to review your coverages and premiums.www.rickclineagency.com