We shop smart every day — clipping coupons, looking for sales, et cetera. However, many of us do not realize we can be smart when shopping for car insurance as well. The main thing you need to remember is that there are some common misconceptions and mistakes that you have got to avoid.
For starters, do not think that your agent is your friend. He or she is just your agent; you are not a client. A car insurance agent may not be up front about the deals available to you.
You need to know what is on your driving record as well. Specifically, you need to make sure all the information is correct because a mistake could cost you dearly.
It is also vital to understand the relationship between your premiums and your deductibles. Remember, it is an inverse relationship.