The old saying is, "if you can't control the income, at least control the outgo."  (If it's not an old saying, then I made it up, and someday it will be an old saying)  One way of controlling the outgo is doing whatever you can to reduce the car insurance rate you are paying. 

Surveys show that many people can reduce their premiums considerably.  Let's discuss a few things that might just help you in your search for affordable car insurance.

One of the first things you can consider is adjusting your deductible.  Do you realize you can save up to 30% by raising your deductible by only $400.00?  That's quite a saving!  Just make certain that you do not make more of an adjustment than you can handle in case of a claim.

Next on your list is checking for any discounts that you may qualify for.  Do you have a clean driving record?  Have you ever taken a defensive driving course, or are you willing to?  This can save you money.  Sometimes just putting coverage on additional vehicles can be quite a saving.

Discounts are available, but knowing what they are is the trick, and you have to ask, ask, ask in order to learn, learn, learn!

Sometimes your circumstances change and you haven't kept your options up to date.  You may have everyone in the household covered on your policy, but only one of you is now driving.  Letting your agent know this and adjusting the coverage can affect your car insurance rates. 

Wine may get better with age, but your cars do not, and they are not worth as much as they used to be, but maybe your agent has not been made aware of this.  Please do so, and thank yourself.

Realize, too, that just because you have had the same car insurance agent since Moby Dick was a minnow, that does not mean you are getting the best car insurance rates.  Periodically you need to shop around to see what other companies are offering.  Every company determines how they establish their car insurance rates.  What one may reward, or penalize you, for is different from company to company.  That is why shopping around is always in your best financial interest.