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Top 10 Ways to Save on auto insurance

1. One Insurer, Multiple Policies - Almost every insurance company that sells auto insurance wants its policyholders to also buy homeowners or renters insurance from that company.

These insurers offer so-called multi-policy discounts. Usually, these discounts are at least 10%, and some insurers apply the discounts to both the auto and the homeowners/renters policy.

* Tip. Talk to your agent about multi-policy discounts.

2. Get Multiple Quotes - One of the easiest ways to shop for auto insurance is to use www.FreeInsuranceReport.com . Be sure to compare coverage amounts as well and not just the premium.

3. Don't Over Insure Older Cars: Older cars with Comprehensive and Collision coverage could be bleeding you dry. Multiply the price you are paying for comprehensive and collision coverage by 10, then look up the value of your car with a site like kbb.com. If your car is worth less that that remove the coverage and watch your savings add up.

4. Get the Right coverage: Too much coverage may have you paying a lot in insurance premiums each month, but too little coverage could have you writing much bigger checks in the event of an accident. Check with your insurance agent to see what coverage amounts may be best for you.

5. Save 50% or more by avoiding Tickets - The cost of a single ticket can increase your premium 50-60% and the cost of a DUI can triple the amount you pay for auto insurance. Slow down; Save More.

6. Keep Covered - Letting your policy lapse can be a costly mistake that keeps you from getting a discount in the best case and has you paying out of pocket in the worst. Remember Murphy's law and keep your coverage in force.

7. Drop Unnecessary Coverage - Are you paying for coverage you already have elsewhere, like towing services or roadside assistance? If so, eliminate unnecessary costs and save money.

8. Raise Your Deductible - Save Up to 40% - Increasing your deductible from $250 to $1,000 could save you up to 40% on your comprehensive/collision premium

9. Purchase a 12 month policy - Eliminate six-month price increases and reviews with an annual policy.

10. Install anti-theft systems - Protecting your vehicle from theft with alarms and tracking systems such as LoJack can save you 5-10%