Did you know you can save up to 15% on your auto and renters insurance by buying both policies from the same insurance company? This is called the auto/home discount. Keep reading to learn more ways you can reduce your insurance bill.

Get Other Discounts

The auto/home discount is not the only discount that can save you money. Insurance companies offer other discounts that you can take advantage of for both your auto and renters policies:

Auto discounts include: * Good Student Discount for getting good grades

• Safe Driver Discount for maintaining a safe driving record
• Discounts for safety features such as automatic seat belts, airbags, and anti-lock brakes
• Discounts if you've taken a defensive-driving course
• Discounts for anti-theft devices such as an car alarms

Rental discounts Include:

• Non-smoker discount if no one in your home smokes
• Senior's discount if you're a senior citizen
• Discount for safety features such as smoke detectors, deadbolts, and window locks
• Discounts for fire-resistive materials in the construction of your rental home

Raise Your Deductible

Both auto and rental insurance comes with a deductible. This is the amount you are responsible for paying on any claim before the insurance company starts to pay. You should set your deductible as high as you can afford, because the higher your deductible, the lower your premium.

Shop Around

The best way to save on your auto and rental insurance is to shop around for the best price. Don?t just get one quote and assume that quotes from other insurance companies will be the same. In fact, quotes can vary by hundreds of dollars from one company to another.

The Internet lets you easily get quotes from multiple A-rated insurance companies. All you do is go to an insurance comparison website and complete a simple questionnaire. You'll then receive quotes ready for you to review and compare.

The best insurance comparison websites even let you talk with insurance experts, so you can ask questions about your auto and rental insurance and get advice on how to get the lowest rate (see link below).

Teenage is an age when a person wants to possess the whole of the world. At that point of life nothing looks blank and nothing looks impossible as well, because we are so filled with energy. Hence one of the most cherished desires is to have a personal car of his own which he can drive to wherever he likes. But owning a car is not a very tough task rather the tough task is to maintain it and drive the car safely.

There are a few things, which as a parent you are required to do in order to secure the future of your son or your daughter. The first few things are to have a valid driving license, which is rare these days. Many people who even have a driving license do not like to drive with it. Teenagers have a tendency to flirt with the law and you should never be a party to these things because it is the matter of life of your son or daughter and if for any moment he or she is found guilty of any wrongdoing then his/her driving career will get marked.

These things will be counted throughout the life of a person. Hence it is your responsibility to determine whether he/she has a driving license or not. Once you have done this then the next thing, which is to search for the best possible insurance policy for your son, which will cover everything because this will provide the safety to your son or your daughter. For this purpose you will need to have the complete knowledge of all the insurance things going round the market. You may think that you have sufficient knowledge about this thing but you should also know that an insurance policy keeps changing day by day and hence any insurance policy, which may have been around your time, might not be available today.

You should try to get as many as auto insurance quotes as you can because they are the best way to get that insurance policy which will suit your teenager?s career the most. The best place where you can find them is the Internet because there are numerous websites over there, which will be helpful to you. At that you will need to fill up a simple form which will be then used to determine your exact requirement and based upon that you will get the possible results from the company or from the website.

Car insurance provider Esure has warned motorists that driving in the winter months is substantially more likely to result in accidents. According to statistics the accident rate increases by 31% in winter, a rise that is due to reduced daylight and inadequately gritted roads. This has been particularly pronounced in the opening months of this year, when icy conditions and high winds swept all parts of the nation.

20% of drivers polled had been involved in an accident because of icy roads whilst 63% complained that gritting is not carried out frequently enough. And it is not just in transit that problems occur; 42% said that they had been forced to stay indoors as roads were not safe enough to drive on.

Mike Pickard, Head of Risk and Underwriting at Esure, emphasised the importance of safety over convenience: ?It is of the utmost importance to be aware of road safety during the winter months and to judge carefully when it is safe to drive ? if you feel it?s unsafe? then leave your car at home and take public transport instead.?

But the threat of accidents is not the only danger on the roads during winter. Police across the country are reporting an ever-increasing number of ?frosting? incidents. This is a form of car crime where ?Jack Frost? thieves steal a vehicle that is unattended due to the driver warming up the engine. It is a far more common crime that might be imagined with 66,000 victims every year. Joanne Mallon, car insurance manager at Sainsbury?s bank, said: ?When it's freezing outside it can be tempting to leave the engine running to speed up the defrosting process while you nip back inside to get ready. But this can have terrible consequences if your car gets stolen.?

And the car insurance companies are unlikely to be sympathetic either, as by leaving the vehicle unattended the driver is deemed to have failed in their ?duty of care.? The message being spread by both police and insurers is to make sure that the keys are never left in the car?s ignition even when the vehicle is defrosting on the owner?s driveway. Edmund King, executive director of the RAC foundation stated: ?Your car keys are the weakest link in the car security chain so never give the car criminal the chance to steal your keys. Never leave your keys in the car when filling up with petrol or when defrosting the car.?

However, Adrian Webb, communications manager at Esure, is anxious not to discourage motorists from defrosting their windscreens: ?If you merely clear a small hole to peer through the windscreen you are more likely to have an accident, and cause serious injury or even kill somebody.? Once again any claim made due to a poorly defrosted windscreen is likely to fall on deaf ears as the driver has failed in their duty to drive with all-round visibility. Webb also advises against more traditional methods of defrosting windscreens: ?Windscreen technology has improved in recent years making this less likely, but pouring hot water on a cold windscreen isn't the wisest thing to do.?

You may aware that in most parts of the world and in most states too, driving a car is illegal without proper insurance. So, you must have an automobile insurance if you are a car owner. Over the years I?ve been witnessing practical experiences that the automobile owners often use to repent of not choosing a proper auto insurance.Choosing a right kind of car insurance may not be any driver?s first priority, the first one logically being the safety of their owners often pay the price after an accident wiped the peace and tranquility out of their life.

Car or auto insurance is a contract between you and your insurance company where you agree to pay the premium, while the insurance company agrees to reimburse your loss under terms and conditions against property, liability and medical coverages as stated in your insurance policy. Property coverage pays for damage to and/or theft of the car. Liability coverage pays for policy-holder?s legal responsibility to others for bodily injury or property damage. Medical coverage pays for cost treating, rehabilitation and sometimes lost wages and funeral expenses. The insurance policy provides different kinds of inbuilt and additional coverages. So, you have to choose a right kind of policy after researching a little bit, using online auto insurance quotes of different car insurance companies which serves you the best according to your needs.

Bodily Injury Liability coverage is applicable where injuries are caused to someone in a road accident by the policyholder or his family members listed on the policy. If you are involved in a serious accident and are sued for a large sums of money, you will have to choose good liability insurance for your protection.

Medical Payments or Personal Injury Protection(PIP) coverage pays for injuries to the policyholder and occupants inside the car in an accident. PIP can cover medical payments, lost wages and cost of replacing services normally performed by someone injured in an auto accident. It may include funeral cost, if any.

Property Damage Liability pays for damage you can cause to another car. It can also include damage to other objects of property your car might hit, for instance fences, telephone booths, lamp posts, building or other structures.

Collision Coverages pays for damage to the policyholder?s car, called it own damage, which resulted from a collision with another car, object etc. It should be noted that due to certain operative clauses, even if you are to blame for or at fault for the collision, the costs of repairing of your car will be reimbursed to you by insurance company. But the deductible has to born by the policy-holder which generally ranges from $250-$1000 in U.S. Comprehensive Coverage will pay you for the loss (other than collision with another car) due to damage by fire, explosion, falling objects, missiles, earthquake, windstorm, hail , flood , vandalism and riots, contact with animals, theft etc. In other words, comprehensive coverage assure reimbursement for damages caused by forces other than another car or object.

Uninsured and Under-insured Motorist Coverage reimburses you in case you are hit by an uninsured or hit-and-run driver and will also be helpful if you are hit as a pedestrian.

Car insurance is compulsory, but it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you serious money at renewal time.

Step 1 - Cut the Risk and Cut the Cost
The easiest way to cut your car insurance premiums is to cut the risk and accept a higher voluntary excess. An insurer's standard excess may be ?100 but if you meet the first ?250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft or a bill for repairing bodywork damage after a car park crunch.

Step 2 - Security Means Savings
Fitting security devices can also result in cheap car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind.

Step 3 - Annual Mileage, Less Means More in Your Pocket
If your annual mileage is, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions.

Step 4 - Named Drivers Trick
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female!

Step 5 - Shop Around and Save Even More
The biggest car insurance savings come from shopping around. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparitive online quotation sites, take their best quotes and go direct to the cheapest car insurance company for more specific quotes.

So next time your renewal quote arrives, don't just accept it and give your money away to the insurance company. Use the steps above and get the right cover at the right price.

You want the cheapest car insurance, right? Sure you do- who doesn't! That said, there are literally thousands of people out there that are overpaying for their car insurance each and every month. That said, if you know what you are doing when you buy your car insurance you will absolutely be able to get the cheapest car insurance available to you. There are a few things that you can look into in order to see if the coverage that you get is affordable and worth your time. Take a few moments to look into these different things and you may just see that you are able to get your insurance at a cheaper price.

One of the first things that you need to do in order to get the cheapest car insurance is to make sure you are collecting all of the discounts that you have coming to you. For example, if you have a long history of being a good driver you may be able to get a safe driver discount. Are you currently receiving that discount? Who knows- make sure to ask your agent. There are likely other discount programs offered by the insurance company that you work with. Take the time to look into all of the discount options to see which one will best fit your needs. Another strategy that you can use in order to get the cheapest car insurance is to lower your level of coverage. This should be done carefully, however. If you are driving a newer car you will want a high level of coverage because there will be high costs associated with any repairs that you may need in the event of an accident. If, on the other hand, you are driving a later model car you will not need to have the same level of coverage since your car will not be that expensive to repair. Talk over the different options with your agent to see what is the best fit for you. Just making a small change to your level of coverage could literally save you hundreds of dollars per year. Once other thing that you can do in order to get the cheapest car insurance is shop around. Simply put, collect a bunch of car insurance quotes from competing companies and see who is going to give you the best deal in terms of price.

Once you locate the best price you will be able to make a purchase that you are comfortable with. You will be able to quickly and effortlessly get quotes online. You can go on the websites of the different insurance companies and request free rate quotes be sent right to your email inbox. In a matter of a few minutes you should have a handful of quotes that you can compare for the best deal. Getting the cheapest car insurance is easy! Take your time and look around for the best deal possible. Also, talk to your agent to see what they can do for you. Making a small change to what you are doing now could help you save thousands over the course of time! Copyright ?? 2012 Mike Miscal

Buying a car is not the end of the game as there are a lot of other procedures that follow. The most important is to get an insurance cover for your vehicle in case it is damaged, meets with an accident or gets stolen. These are something which is considered mandatory in order to get your car on the roads. Its like a sort of government clearance and legal fitness certificate to officially bring your four wheeler onto the road. Your personal vehicle needs to have a full protection cover in the form of insurance to ward off any emergency situation like accident or theft.

In fact the UK government has made it a mandatory feature in the motor vehicle amendment act to have your personal vehicle insured in order to obtain a legal fitness certificate and thereafter you could go for driving. Failing to do so would result in maximum penalization and even a jail term. Therefore, you got to look for an agency which provides customers the best motor vehicle insurance policy without any hassles. Each and every day thousands of new cars get registered in England and Wales. So owners must keep in mind that in order to roll out their new cars on the road, it is essential to have a legal clearance from the government, in the form of insurance. Without which it would be impossible to take your new vehicle for even a spin on the roads. This feature is a very remarkable one as it gives an owner the peace of mind when he / she is driving on the city roads or on the highway with their loved ones.

Some of the major insurance companies in UK provide customers the best user friendly service in regards to cheap motor vehicle insurance. The only thing that you need to do is to make a call and they with their consultants and brokers are at your doorstep, offering you smart car insurance related solutions at the most affordable cost. Nowadays people do look for professional agencies who provide smart legal cover to individuals who own a car. As per the government of UK, motor legal protection is a must if you are thinking to purchase a car of your own. It is at this juncture, the services of a reputed insurance brooking house comes into the picture as they provide you tailored services. A car insurance cover is a mandatory feature once you own a vehicle in England, be it a brand new or an used one. These agencies provided personalized and hassle free motor vehicle insurance related solutions to the general customers who look for best and affordable solutions. Any car insurance legal cover requires a lot of paperwork and formalities to be followed. So these agencies with their professional experience in this field provides customers, value for money solutions in lieu with the said government guidelines. So it is a must to hire one such professional legal and insurance solutions provider which is reputed in the whole of England for its customized services. car insurance legal cover