Many consumers find they can drive down the cost of car insurance—and the time it takes to select the right policy— by contacting an independent state or California car insurance agent or broker.

Independent state and California car insurance agents represent many different insurance companies and have the flexibility to review rates and coverage from competing carriers to get you the best deal. Plus, they can offer affordable protection for your home, business, and other assets.

Rather than spending hours gathering quotes from various companies, you can do it all with one simple call or visit to your independent state or California car insurance agent or broker.

If you’re thinking of contacting an independent state or California car insurance agent, here are a few things to consider:

• What’s your lifestyle? Many factors determine car insurance rates, not just vehicle year, make, and model. Companies look at information about you. If you’ve recently moved, gotten married, had a birthday, or experienced a similar life milestone, you may be eligible to save money on your state or California car insurance.
• Sweet 16 doesn’t have to be sour. Having a new teenage driver usually means the car insurance bill will go up, but there are ways to save. There are discounts for honor students, for instance. An independent state or California car insurance agent or broker can find out what your teenager may qualify for.
• How old is your car? Usually, older cars don't require the same level of physical damage coverage. If you drive an older car, your independent state or California car insurance agent or broker can advise you which coverage will make the most sense. If you want to keep your physical damage coverage, consider raising your deductible—that could save you money each year, too.
• Save money on the fun stuff. If you have a motorcycle, boat, RV, or other motorized “toy,” you could save money by using the same company that insures your car. Talk to your independent state or California car insurance agent or broker about these inclusions.

You may want to consider separating your homeowner’s policy from your state or California car insurance policy. Bundling homeowner’s and car insurance doesn’t always save you money. It may, but have your independent agent look at separating the policies. The discount you have for keeping them together may be higher than the price another company offers for your car insurance.

To learn more or to find an independent state or California car insurance agent or broker, visit www.Direct Choice Insurance .com

Bundling your homeowner’s policy with your state or California car insurance doesn’t always save you money. It may be wise to have an independent agent look at separating the policies. The discount you got for bundling may be outweighed by a lower competitive price.