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In today's turbulent economic times people are frequently looking for ways to save money. One way to save money is lower a persons auto insurance rates. If one wants to lower their auto insurance rates, then there are basically two options: changing the individual coverages on the policy and adding or changing the discounts on the policy. Both of these options require that the consumers insurance provider be contacted to discuss the various options. The insurance provider or agent should be able to tell the consumer what their various options are and what would be the cost savings involved with making changes to the policy. The agent should also be able to make recommendations to the Client about what they should do.

Changing individual coverages on the auto policy

Every auto policy has a number of coverages and various options the combination of which determine the total premium of the policy. The two main cost components of an auto insurance policy are comprehensive insurance and liability insurance. If the consumer wants to lower their insurance premiums then they should first look to reduce each of these coverages and see what the resulting decrease in premiums would be. Most states have minimum coverages that the consumer must maintain. The insurance agent should be able to advise the customer on minimum coverages and the costs and benefits of making a change. There are a number of other optional coverages on an auto policy such as rental car coverage, towing coverage, personal injury protection coverage, etc.
Someone wanting to lower their premiums can also remove any of these optional coverages and save money on their auto policy premium.

Explore additional discounts on the auto policy

There are a number of auto discounts that the consumer might be eligible for but not being applied to the consumers account. An example of a popular discount that could lower a persons premium is the defensive driving discount. If the consumer has taken defensive driving recently then they could be entitled to this discount. Many insurance companies give discounts to teen drivers for taking company approved driver training courses. Since premiums for teenage drivers can be very expensive, this type of discount can be an excellent cost saver. There are many other potential discounts that a person could receive so it is recommended that the consumer contact their insurance agent periodically to discuss and receive recommendations.

This article was written by Scott Hearne, Senior Internet Marketing Analyst for Tastyplacement, Website Marketing Austin an Austin internet marketing firm. Basic information in this article was provided by Bridgette Hearne, an Auto Insurance Austin agent.

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