The first thing you should do when choosing a new Insurance Company is to shop early, most companies will give you a discount if you purchase your policy at least 7 days in advance of your old policy expiring. Usually this only applies if you have current insurance with a company. It's amazing how many people do not think about getting insurance until the last day before their policy expires.

Another easy thing to do in order to save money on your policy is to make sure your policy does not expire. Once your policy expires it's all over. You will be treated like you never had insurance and if you have a lapse you could see a fine from your DMV. Insurance is looked at very seriously now days and not even one day of lapse is tolerated.

Another great way to save on your insurance policy is to bundle your policies together. I am amazed at how many people have an Auto policy with one company and the homeowners with another and a life policy with a third company. I had a client once just like that and when we combined all 3 policies he saved almost $250.00 per month. In this economic times that is nothing to sneeze at.

Make sure if you are a professional like a Doctor, Teacher, Firemen, Police, even engineers to ask for a discount based on profession. I know that Farmers gives you guys a huge discount and you will not know unless you ask the other providers. Some companies even give discounts to retired people if they are over the age of 55.

This is a great way to save money on your policy and get better protection, sometimes having higher limits on your policy can be less expensive than having the lower limits. Do not just take the lowest limits available check out the price of having 100/300/100 you never know if it will cost less or just a fraction more until you ask. And you get a lot more protection which in the long run is better for you anyway. I see it every day we are human beings that do not believe things happen to them. We live in denial but it can happen all it takes is 2 seconds when you drop your phone or your kid screams in the back of the car and bam! Imagine hitting someone in the cross walk and sending them to the hospital for a 5, or 10 day stay. With the ambulance ride the Emergency room cost and therapy you could easily be facing $100,000 bill or worse. God forbid you kill them you are looking at a million dollars.

Remember the family will need the income that person was producing most likely for the next 20 or 30 years. You have to always remember that anything above the limits you buy from an insurance provider, you will be liable for. So if you buy $15/30 and the accident has a bill of $100,00 you now owe $70,000 and we live in the Las Vegas area were everything is attachable! That means a garnish of your wages for life if they have to. They can even come after furniture and your savings account. So remember sometimes higher limits can be a savings all on to them self's.

So to recap we have the early shopping Discount, a discount for your profession type, no lapse discount, Bundle Discount, Here is one we all forget, how about good driver discount. Just slow down a little and save yourself the ticket that moves on to your record for 5 years and the increased cost on your insurance. There are also multiple car discounts, Good Student Discounts, and I saved the best for last; make sure you have your wife be first on the policy. If you are married, women pay less than men especially with certain major providers.

Well that is it for now, good luck with your insurance hunt I wish you all the best. I will be back to update my site when I find more ways to save on Insurance.