1. Shop Around! Always compare rates to see how much you can save with different carriers.

2. Try to find out the cost of insurance and the cost of car repairs before purchasing a new vehicle.

3. Inquire about your vehicle's safety features.

• Buying a car with airbags, anti-lock breaks, passive restraints, Onstar, Lojack or a security system can reduce your insurance premium. You can save anywhere from 10%-25% on your comprehensive coverage.

4. Be a defensive Driver

• You can save up to 10% by taking an approved driver safety course.
• If you have an accident/violation free driving record for the past 3-5 years, you may qualify for a safe driver discount.

5. Review your coverage

• Increasing your deductible will reduce your insurance premium.
• Consider dropping unnecessary or higher cost coverage, especially if your car has a low market value. You can spend more for coverage than your car is actually worth.