An independent approach to car insurance

(NAPSI)-Many consumers are determination they can drive down the cost of car insurance-and the time it takes to select the right policy-by contacting an mugwump insurance agent or agent.

Because they represent many different insurance companies, independent agents have the flexibleness to reappraisal rates and insurance coverage from competing carriers and get you the best deal. Plus, they can offer affordable protection for your home, concern and other plus. So instead than disbursement hours assemblage quotes from various companies, you can get it done with one simple call or visit to your mugwump agent or agent.

If you're thinking of contacting an mugwump agent, here are a few things to consider:

• What's your life style?

Many factors determine auto insurance rates, not just vehicle year, make and model. Companies also look at info about you. If you've recently moved, gotten married, had a birthday or experienced a similar life milepost, mention this to your mugwump agent or agent. You may be eligible to save money on your car insurance.

• Sweet 16 doesn't have to be sour.

Having a new teenage driver normally means the auto insurance bill will go up, but there are ways to save. An mugwump agent or agent can find them for you.

• How old is your car?

You don't ever need the same level of physical damage insurance coverage on older cars as on newer ones. If you drive an older car, your mugwump agent or agent can advise you what level of insurance coverage makes the most sense. If you want to keep your physical damage insurance coverage, consider elevation your deductible-that could save you money each year, too.

• Save money on the fun stuff.

If you have a bike, boat, RV or other "toy," you might save money by having it covered by the same company that insures your car. Talk to your independent agent or broker about it.

You may also want to consider separating your homeowner's policy from your car insurance policy. Bundling your homeowner's policy with your car insurance doesn't always save you money. It may, but have your independent agent look at separating the policies-the discount you may have gotten for keeping them together may be outweighed by the lower price another company might have for your car insurance.

To learn more or to find an independent agent or broker, visit driveinsurance.com.