Carrying adequate car insurance coverage is a must, but that doesn't mean you need to spend more on your policy than you want. As part of our commitment to helping you find the best auto insurance rates available, we've provided the following cost-cutting strategies that will lower your car insurance bill by up to 20 percent in some cases.

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Shop to Save

You can't expect to find the best auto insurance premiums if you don't take the time to browse through the offers of different insurers. The secret to finding a bargain is to comparison shop among various carriers, and you can do that with Chap Arnold Insurance. Rather than your having to request quote after quote from car insurance companies, we gather the quotes for you and present them on our site for you to compare. When you request your quotes, you will see how much shopping around can pay off. For a typical policy, premiums can vary as much as $900 among policies.

Save on Collision and Comprehensive

The best way to reduce your collision and comprehensive auto insurance premiums is to raise your deductible. Your deductible is the amount of money you will pay out of pocket before your auto insurance benefits kick in. The more you are willing to pay, the less your insurer will charge you for your policy. Most people can get away with upping their deductible by $500 and still save significantly on auto insurance rates. For instance, if your deductible is currently set at $500, see how much you would save by setting it at $1,000.

Some drivers may even be able to get away with dropping collision and comprehensive coverage altogether. The best auto insurance policies don't necessarily have to include collision and comprehensive if your vehicle is too old to justify them. If your car is worth less than ten times what your collision and comprehensive premiums would be annually, you can drop the coverages to lower your rates.

Don't Overlook Discounts

Discounts can lower your auto insurance bill by up to 20 percent for some policyholders. Once you receive the best auto insurance quotes here, talk to agents or representatives from the insurers that provide your quotes to find out what discounts are available. You could qualify for valuable discounts like the safe-driver, low-mileage, or senior-citizen discount.

Stay on Top of Your Credit

Most of the best auto insurance companies pull policy applicants' credit reports when setting their expected rates. People with poor credit are also much more likely to file an auto insurance claim, which means they also pay more for coverage. Insurers also routinely check the credit reports of existing policyholders. In order to keep the lowest auto insurance rates possible, check your credit report for any error or liabilities as regularly as you can. If you find liabilities, try to fix them before you apply for an auto insurance policy if possible.