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Shop around. The easiest way to do this is to use an independent insurance agent. An independent agent can check with multiple home and car insurance carriers saving you time, think of us as your personal insurance shopper. Here at the Terry insurance Group work with more than 10 different insurance carriers.

Choose a higher deductible. By asking me for a higher deductible on your car insurance, you can lower your costs substantially. For example, going from a $200 to a $1,000 deductible could save you 40 percent or more.

Reduce coverage on older cars. If your car is worth less than 10 times the semi-annual premium, purchasing the coverage may not be cost effective.

Use your discounts - tell your agent about the ones that apply to you

• Antitheft Devices
• Home and Car insurance with the Same Company
• College Students away from Home
• Defensive Driving Courses
• Drivers Ed Courses
• Good Credit Record
• Higher deductibles
• Low Annual Mileage
• Long-Time Customer
• More than 1 car
• No Accidents in 3 Years
• No Moving Violations in 3 Years
• Student Drivers with Good Grades