A lot of drivers believe that they save money on auto insurance the way they would do on other products and services.  And this is where most insurers go wrong:  they just believe that their auto insurance premium "is what it is" thus causing them to pay hundreds of dollars more than they normally should.  The fact is, you can save money on auto insurance by simply making sure you have the perfect combination of coverage, service and pricing.  Simply put, you must be able to choose the best auto insurance package or your needs.

A seasoned auto insurance agent Robert Clay offers nine recommendations to ensure that the car insurance offers the best price-performance ratio:

1. Take advantage of discounts. Make sure to ask your insurance agent independent investigation of all the discounts available to ensure that you have the best chance to the lowest possible rate.
2.  Try increasing your deductible. Do you really need a deductible of $ 100 or $ 200? According to the Insurance Information Institute, raising a deductible from 200 to 500 US dollars could reduce the coverage total costs significantly. It is true that there are indeed high expenses in the event of a car accident, but considering the average driver's filing of a collision claim—that is once every 8-10 years-- you can definitely save money long term.

3.  Buy what you really need.  Many consumers pay for an insurance, without knowing the best value for their needs. One example is the comprehensive and the guarantee collision on an old vehicle with a relatively low market value. "It is important to remember that if you total the value of the car, you could only be reimbursed with the market price, and not for what you think it is worth, or the cost of buying a new vehicle," explains Clay.

4. Contact an independent agent. "Independent auto insurance agents offer a personal service and advice. You can also check the rate of competition between transport companies," said Clay.

5. Change your lifestyle, update your auto insurance policy. Changes in your personal life, including getting married or transferring to a new address, could change your auto insurance premium. If life changes occur, it is perhaps a good time to check your auto insurance agent and have your policy updated.

6. Avoid dragging in unnecessary towing coverage. If you already belong to a club automotive industry that offers towing services, you can save some money by eliminating this extra from your policy.

7. Pay your premium in full. Some insurers offer discounts for customers who pay their entire premium in a single payment.

8. Calculate the total cost for this new car. Many consumers shop for cars, without even knowing the cost of insurance of these various expensive models. "Some models are similar in size and price but the insurance rates can be significantly different," says Clay.  

9. Elimination of double taxation of health insurance. Many consumers pay for the medical care in their auto insurance coverage, despite the fact that the injuries in an accident would most likely be covered by your health insurance.