Many people settle for a car insurance policy because it's a matter of convenience. That comfort, however, can be costing them a great deal of money. Before re-upping on your current car insurance policy, consider the following ten points about reducing your premiums:

1. Insurances rates do fluctuate a great deal, and insurance companies do not conspire with each other. There is opportunity to save a great deal of money if you're willing to shop around on reputable car insurance comparison sites.

2. First things first: Speak with your current agent or insurance company. If your current policy is lucrative for them, they will let you re-up without a word. Due to the law, policy rates can't fluctuate within a company, but there are often renewal discounts available when asked for.

3. Even if they're willing to give you a discount, shop around a little. Don't be afraid to use the Internet. The online insurance business is highly competitive, and there are great discounts to be had.  Car insurance  and other sites is often less expensive than what you'll find locally.

4. Discounts matter a lot. There are discounts available for a wide range of items, and many of these discounts significantly cut into the premiums. Some of the best, such as taking a drive safety course, can seem like a bit of a hassle, but the discount that can stick with you for several years or more.

5. Take a safety course. This is especially helpful for new and young drivers, but it is a good habit for established drivers too. If you make it a habit of renewing your safety course every three years or so, you can make a significant dent in the money that you'll be required to play long term.

6. Raising your deductibles does make a great difference. Raising your deductibles also makes a great deal of financial sense if you're actually choosing to do so with a battle plan in place. However, if you do so with no plan of dealing with the potential damages, then you're simply increasing your risk.

7. If you're buying a new or new old car, consider the model. Insurance rates are greatly affected by the accident rates for the particular model. If you avoid cars and trucks that are linked to high accident rates, you can avoid what can be a significant risk premium.

8. If you're driving an older vehicle, carefully consider the long-term value of collision and comprehensive. For the responsible person, it usually makes more sense to pocket that money and use it to buy a new old vehicle when the need arises.

9. Check your health coverage. If it's a good policy, it will be often be redundant with the medical included with the insurance policy. A good agent can help you determine the right balance.

10. Combine your policies. Most adults, especially married ones, have multiple vehicles plus other insurance needs, such as home, life and perhaps recreational vehicles. Combining policies can make shopping around more difficult, but the discount for doing so makes it all worthwhile.

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