Ok, ok, shopping for car insurance is not usually on the top of the fun list but you can save a lot of money.  I learned the hard way.

About 6 months ago, I needed a new insurance policy.  I drive a 2008 Honda Civic coupe and my better half drives a 1998 Toyota Camry.  When I looked for a policy 6 months ago, the best price I could find for both cars for 6 months was a little over $1,000 for 6 months of coverage.  This was full coverage.  I knew this was high but after looking myself and having a broker look, this was it.  Awesome.

So obviously towards the end of the policy, I started to look again.  Well, this time around it was a different story.  I was able to double my coverage, and get save about $350 every 6 months.  The only thing I did was change my deductible from $500 to $1,000.  And this was not the major cost savings.  We ran both quotes and even with keeping a $500 deductible, I still would have saved $300 for the policy.  I was shocked to say the least.  Point is, shop around constantly.

Here are a couple of other quick tips that might be able to save you a few bucks on insurance.

Put all of your households vehicles under one policy.  Having a multi-car discount will shave off a few dollars.

If you own a home, have your home owners insurance with the same provider.  This will usually trigger yet another multi-policy discount.  This works for renters insurance too.  Even though renters insurance is usually less than $15 per month, you can get a multi-policy discount with this too.  Sometimes, the renters insurance ends up just about free!

Consider dropping collision for older cars.  Sometimes by the time you pay your deductible, its simple not worth it to have collision.

Lastly, if you can afford it, raise your deductible.  If you have a good record, lower your deductible.  If your in an accident and can afford it, this can save you quite a bit on your premiums.