Car insurance fact: most people will stay with one car insurance company for years without comparing rates of other companies. That is how you won't save money.

It is all on the internet - prices and policies of competing car insurance companies are only a few clicks away for those who are ready to save money. Did I mention it's free? When companies are in competition, you will always win. Even if you decide not to switch companies you can come out ahead by making sure you are receiving every discount you are eligible for.

Tricks of the trade:

Drop collision insurance on old cars. If your car is worth less than $2,000, you are losing money if you are still paying collision on it.

Bundling homeowner's insurance with your vehicles under the same company will often make all of those costs cheaper. Make sure your driving record is correct.

Ask to see if your occupation falls under the "low risk" category. Statistically speaking, people in certain occupations are less likely to have collisions. If your career is "low risk", you may receive a discount.

In order to save on your premium, raise your deductible to about $1,000.

High performance cars, expensive parts, and high theft rate will always cause your rates to go up. Check with your insurance company before you buy a car.

If you have utilized the search engines, scoured your policy, and are still happy with your car insurance company, be sure they reward your loyalty by offering you a discounted renewal rate. Car insurance companies love their low risk drivers - be sure to make them grovel a bit before renewing your policy! To all the rest of you: good luck and happy savings.

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