How to lower my car insurance bill!
Since there are many factors that go into determining your auto insurance rates, there are many chances to lower your rates. If you change jobs and your drive to work changes or you stop working or you work from home, you should contact your auto insurance  company. If you have a teen driver and they go to school over 100 miles away without a car then you should be able to get a discount. If you get married and are in your teens or twenties call your auto insurance  company and see about combining your policies. Take defensive driving if your state allows it for a discount. See if increasing your comprehensive insurance  and collision insurance  deductibles will save you a lot of money. You need to compare what you're saving and how much more you will have to pay if you file a claim. For example, if you go from $500 to a $1000 deductible and it lowers your auto insurance  $50 per 6 months then it saves you $100 a year. It will take you 5 years to break even from what you are saving compared to how much more you have to pay. Now, if it saves you $250 every six months then it would be more worth your while. See if combining your auto and home insurance polices will qualify for a multi policy discount with your current company. This could be a substantial discount. One of the biggest ways you could save $200-$500 or more a year is shopping around for auto insurance . The auto insurance  industry is very competitive and this is great news for smart consumers like yourself. Shop for auto insurance  quotes here and see how much you can save. Shop and Compare multiple auto insurance  quotes for free.

The second biggest tip to lower your rates is to simply raise your deductible. In some cases you can reduce your annual premium by 10 percent or more if you increase your deductible by a few hundred dollars. USE CAUTION HERE: You want to make sure you can actually afford the amount that you raise your deductible to or you're no better off then before.