Being able to have car insurance can give you the peace of mind you need in knowing that you can avoid financial losses if you're involved in an accident.  However, keeping your vehicle insured can be costly. It's ideal to know of effective tips that will assist you in keeping these expenses as low as possible for year round savings.

Tip #1:  Get an accurate quote

If you're in the market to purchase a new vehicle, you should know beforehand what you will need to pay for coverage. This is possible to do by just giving your agent a call and providing the vehicle identification number (VIN). This number can typically be found in various locations on the car.

You will be able to receive an exact amount of the insurance costs when doing this.

Tip #2: Raise your deductible

One of the most effective ways to keep insurance lower is by increasing the amount of your deductible. The deductible must be paid before any claim will be reimbursed.  Be sure to keep this in mind and have this amount on hand in the event you need to file a claim.

Studies indicate that raising the amount of your deductible can save you as much at least 15% on the costs of your insurance.

Tip #3: Drive less

The fewer miles you commute on a daily basis, the less you will have to pay for your auto insurance. One way to help you do so is by either getting a job close to home or carpooling. It's a very good idea to talk to your neighbors to determine if it's possible you could ride together on your commute.

Tip #4: Stay consistent

When getting the insurance for your car, it's a good idea to get your homeowner's coverage at the same company. By giving your own insurance company much more business, this will allow you to get a discount on your auto insurance.

Additionally, if you have any other insurance needs, such as for a motorcycle or boat it's ideal to rely on the same company for all of these.

Being able to reduce the cost of your auto insurance is ideal for all times. Simply knowing ways to assist you can be helpful for spending less and saving more when it comes to auto insurance. Be sure to speak to your insurance agent—like those at Manassero Insurance Agency Inc and other offices—today for more money saving insurance tips.