Are you in the market to find an auto insurance policy?  If so, you may want to know how you can save the most money before you sign the dotted line and insure your car.  Since most auto insurance companies are different, your quote is going to vary from place to place.

Do your homework and compare

Never ever just sign up with the first place that you contact.  You’re going to find that if you contact three people, you’re going to see varying quotes.  I always make it a habit to check out three places.  This is going to give you a better idea on where they stand.   Use websites like Esurance when you want to get quotes from a few insurance companies.

Ask for the higher deductible 

Your deductible is generally going to be what determines your quote.  The higher you go, the less you’re going to pay.  If you know you’re a good driver or if you’re not going to drive the car a lot, I would recommend you have a deductible of $1,000.  The deductible simply means that you’ll pay the first $1,000 or whatever you may choose and the insurance company pays the rest.

Watch the stupid coverage

There are some stupid coverage fees that the agent may try to tack on.  Fees like rental car insurance, rental car coverage, etc.  You’ll find that most of the time, you’re not going to use this or need it.  By taking it off, you can save $10-$15/ month.

Get a car that isn’t hard to insure

Every car will vary when it comes to insurance.  If you buy a car with a big engine and one like a SUV, you’ll find that your insurance rates are going to be very high compared to a smaller four door sedan.  If you haven’t bought your car already, make sure you know what kind of insurance rates you’re looking at.  You may find that no matter how hard you try to save money, your rates will be high.

Watch the medical coverage

When you’re applying medical coverage to your auto insurance policy, make sure that your health insurance policy isn’t already covering it.  You may find that you’re getting double coverage and that will most likely be pointless and you’re wasting your money.  Check with your healthcare provider to see whats covered when it comes to an automobile.

These are just a few ways that you can save when it comes to auto insurance.  Doing your homework can take you a long way.  I would suggest that you look into these few things and see what works for you.