1) Credit! Credit! Credit! Auto Insurance has changed in the last 10 years where the companies are mostly using credit to determine rates. If you are married always use the spouses information with the best credit rating first when you are getting a quote. Insurance companies will use the credit of the first Named Insured on the policy or the first person entered on your quote.
2) Putting your home and auto with the same insurance company can help with the multiple policy discount. Some companies even give a discount if you have additional policies such as a boat policy, umbrella policy, personal article floater policy or dwelling fire policy with the same company (i.e. Travelers Insurance Company).
3) Low mileage discounts for cars driven less than 7,000 miles per year can get up to a 20% discount (i.e. Safeco Insurance Company) or multiple car discount even if you have a company car and you own a single car on your personal policy (i.e. Grange Insurance Company).
4) Call an Independent Insurance Agent (i.e. Complete Insurance Service Inc. (770) 840-8744. Independent Insurance Agents represent multiple companies and will compare rates to find you the best deal. It may take longer than 15 minutes to find you the best deal on your insurance but you will be pleased with the result!
Thank you for your time,
Complete Insurance Service Inc.