You can save some money with these auto insurance tips

With gas prices fluctuating almost daily, it’s hard to budget how much it will cost you to fuel your vehicle. But there are tips you can follow to maintain or even lower your auto insurance premium. And any time you can save money today, it’s a plus for your family.

The following are examples of money-saving ideas:

• Maintain a good driving record. Companies charge safe drivers (those free of at-fault accidents or violations) lower premiums for automobile insurance.
• Shop around. Compare prices for identical coverages and coverage periods. If you don’t understand the language regarding the coverage, check out our auto insurance publication for definitions and examples.
• Consider raising your deductible on comprehensive and collision coverage. Review your current deductibles to see if you can absorb a larger portion of a loss in the event of an accident or damage-related event. If you have a financial lien on the vehicle, you should check with the lienholder before pursuing this.
• Consider the cost of insurance before buying a vehicle. With a movement toward smaller, more fuel-efficient vehicles, you would be wise to get a quote from your local agent before deciding which vehicle to buy. Some smaller vehicles might cost more to repair or offer occupants less protection from accidents, which could make their premiums higher than you might expect.
• Ask about discounts. Ask your agent or company if you are eligible for discounts such as having two or more cars on a policy; driver education course credit; mature or good driver credit; airbags, anti-lock theft or other safety-equipment features; or having other insurance policies with the same company.