National Press Release

SOLON, Ohio, June 12 /PRNewswire/ -- There's something your auto insurance company or agent isn't telling you that might save you money. And it could be one of these 8 things:

    1. Older car? Drop collision: Have a car that's 7 or 8 years old or
       worth less than $2,500? Time to think about taking the risk and dropping
       comprehensive and collision from your auto insurance quote. Chances are
       your deductible is closing in on the value of your car and a major
       collision will send you to the dealership, anyway.
    2. Buy home and auto with different companies: With everything being bundled
       today - from cell phones to Internet and cable TV - you'd think that
       having your home and auto insurance with the same company would save
       money. But, do your research and you may discover that having separate
       policies will be cheaper.
    3. Minimum liability? Not enough: You may think you can only afford the
       minimum coverage required by law. But, there's a good chance those
       minimums won't come close to covering the costs of a serious
       accident - which means you could be paying WAY more than you bargained
       for if you're at fault.
    4. Shop around for lower rates: A State Farm agent only quotes State
       Farm(R). Same for Allstate(R). So what are the chances their agent will
       tell you to shop around for the best deal? Even independent agents only
       represent a few auto insurers. Shopping online allows you to fine-tune
       the deductibles and coverage you want and then compare auto insurance
       rates side-by-side.
    5. Go green and keep some green: Look for auto insurance quotes from
       companies that offer "green" discounts for driving a hybrid,
       choosing paperless statements or electronic payment plans. Even signing
       your policy with an e-signature will help.
    6. Consider paying that claim yourself: If you've backed into the
       garage, think twice about asking your company to repair it. Besides the
       possibility that your rates will go up at renewal, that small claim might
       affect rates next time you shop. An accident can only affect your rates
       for three years, but many companies will look back five or seven years
       when deciding if they want to offer you a quote.
    7. Don't buy that turbo convertible.: All vehicles are not created
       equal. Small or large, old or new, the type of car you drive will affect
       your auto insurance rate, often based on algorithms auto insurance
       companies use to determine how expensive it might be to pay a claim.

    8. Teenager turned 16? Don't add them to your policy - yet.: If your
       teen is 16 but not a licensed driver, you're not required to add
       them to your insurance policy. You're only required to insure them
       once they become licensed to drive. But check. Some policies may require
       it.

Tips from Insurance.com, the leading online insurance site for comparison quotes you can buy from A-rated companies online or by phone. www.insurance.com

SOURCE Insurance.com