Auto Owners Insurance Company

Many people carry collision and comprehensive coverage on cars that are no longer worth protecting. If you're paying more than 10% of your car's value in collision and comprehensive per year, then in most cases you should drop this coverage with your auto owners insurance company.

At the other end of the scale are people who drive the hottest cars on the market. Unfortunately, they're probably hot with thieves too and so the insurance rates are high. But if you own a car model that is frequently stolen, you can still get a price break from your auto owners insurance company. Simply take preventative steps like installing anti-theft devices and only parking in secure areas when in a city.

If you have a medical insurance plan, you may be able to get further savings from your auto owners insurance company. The medical protection in auto insurance is usually similar to regular health insurance coverage and so it can be eliminated from your auto policy. You may carry your state's minimum if it's required or if you want to provide medical protection for your passengers when involved in an accident.