If you need money badly, you can reduce your car insurance by 50-65% by taking the following steps:
1. Visit a free service like http://freeinsurancepricequotes.com
2. Select your insurance type (car or 'home and car'), enter your zip code and click 'Start Quote'
3. Fill out the necessary information concerning your vehicle(s)
4. RAISE YOUR DEDUCTIBLE TO $1000
5. Select "State Minimums" for your Liability Coverage
6. Select '0' for Uninsured Motorist
7. Drop Comp/Collision coverage for older vehicles if the cost of your deductible plus the cost of your insurance exceeds the value of the vehicle, making it economically unsound to repair the vehicle if it is severely damaged in an accident.
Finish filling out the necessary information. You will be matched with several major Insurance Companies who are bidding for your insurance business. They will email you quotes very quickly, and provide contact information in case you have any questions and need to speak to an agent.
Spending 10 minutes to get insurance price quotes from Major companies can save you hundreds of dollars each year on your auto insurance. If you have several vehicles, you can save thousands.
Remember there is risk in selecting "State Minimums" for Liability coverage. If you own a home and/or have substantial assets, these can be used to collect damages if you cause an accident where severe injury or damage results. Only you can decide if the risk/reward is worth the money you save on your car insurance.
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