It seems everyone is looking to save money, and your insurance in one place to look.

Insurance is an art, not a science, it is important to shop your insurance regularly unless you have the most fabulous insurance agent in the world and would never think of leaving them. Here are a few tips:

• Go to you local independent agent to shop several companies. Our agency represents 12 companies and frankly we know what discounts and surcharges apply to policies. Have an independent agent help you.
• Make sure if you have a youthful driver they keep their grades above a 3.0 and you have proof, this can save up to 40% on auto premiums.
• New discounts are showing up for driving hybrid cars; ask if your company offers this discount.
• I write with a company that gives a discount for a AAA membership and more if you have been a member for 10 years.
• On your business policies, we have companies where it is actually less expensive to insure your equipment with your General Liability (GL); do not always assume if you just get a GL policy it is less expensive without tools, not to mention you are not fully covered with a GL policy.
• Shop your surety bonds when they renew. You can save 50% by calling and asking an insurance agent what they charge.
• Have an insurance review; I have seen clients spending over $200 every 6 months to carry a $100 deductible on Comprehensive coverage on their vehicle. Have a licensed agent review your policies with a fresh set of eyes and see where you may be able to save some money on premium.
• See if your insurance company has discounts for police, teachers, firefighters, alumnae from certain universities, group discounts, you would be surprised what some companies have on the books for discounts.

Remember the best place to go is your independent insurance agent; they have several companies they are working with and would love the chance to work with you.