My "Top 10 Ways to lower Hiome Insurance Costs" was so popular I decided to add my "Top 10 Ways to lower Auto insurance Costs" too.  Hope this is helpful. - John O.

HOW CAN I LOWER MY AUTO INSURANCE COSTS?
10 ways you can save money on auto insurance:

• Multi-policy discounts.
  Many insurers will give you a discount if you buy two or more types of insurance from them. Renter's insurance or home insurance can give you a discount on auto insurance.
• Safe vehicle discounts.
  Look for discounts for air bags, anti-lock brakes and anti-theft devices.
• Safe driver discounts.
  Safe driver discounts apply after 3 years without tickets, accidents or claims. Good Student discounts are available.  Taking a defensive driver course can also reduce your rates.
• Raise your deductibles.
  You could lower your insurance costs by increasing your deductibles. 
• Check with your insurance agent before buying a vehicle.
  Your premium is based in part on the car's sticker price, the cost to repair it, its safety record and the likelihood of theft. Four-door vehicles are typically less to insure than two-door vehicles. Consider buying a "liability only" vehicle for drivers less than 20 years of age. 
• Pay-in-Full discounts.
  Installment payments fit most budgets, but paying in full can save the monthly service fee and give a 10% discount with nearly all insurance companies.  This can save you $200 - $400/yr. on auto insurance.
• Lapse.
  You can prevent paying higher premiums in the future by obtaining a non-owner's policy if you are a regular operator of someone else's vehicle or continuing a "comprehensive only" policy while your disabled vehicle is being repaired. A lapse of 5 - 30 days can put you in a "no-prior" status with a non-standard company.  Having continuous insurance for 6 - 12 months will give you a "prior insurance" discount in a standard company.
• The location can make a difference.
  Rural home addresses have lower premiums than vehicles garaged in a city.
• Stay with an insurer.
  If you have maintained your coverage with a company for several years, you may receive special consideration. Several insurers reduce their premiums by 5% after staying with them for three to five years. 
• Check your policy.
  Work with your insurance agent to construct a policy that fits your needs.  Eliminate unnecessary and duplicate coverages.

Many real estate agents ask me so i published the top ten ways to lower insurance costs.  We recently lowered a buyers costs by $100/mo by customizing their insurance. This helped them get the new  home thet wanted. So here's the top ten list. Let me know if I can help you sell in the tulsa area! - John O.  

HOW CAN I LOWER MY HOMEOWNER'S INSURANCE COSTS?
10 ways you can save money on home insurance:

• Raise your deductible.
  The deductible is the amount of money you have to pay toward a loss before your insurance pays. Increasing your deductible to $1,000, $2,500 or $5,000 can save an additional 10% each.
• Buy home and auto policies from the same company.
  Many companies give multi-policy discounts if you buy both homeowners and auto insurance from them.  You can save 10 - 30% for multi-policies depending on the company.
• The home can make a difference.
  Newer homes are likely to have lower rates. Pre-1930 homes or homes that have not been updated to electric circuit breakers can be more expensive to insure. Frame homes are more expensive than masonry homes to insure. 
• The location can make a difference.
  Insurance premiums are lower if you live within 5 miles of a manned fire department and within 1000 feet of a hydrant.  Avoiding flood zones will save you money.
• Avoid other risks.
  Trampolines and aggressive dogs can raise your insurance rates.
• Insure your home, not the land.
  Home insurance does not cover land. Subtract the price of the land from your property value to determine how much insurance you need for the house and contents.  $85/sq ft will rebuild an average home in Oklahoma.
• Improve security.
  Deadbolt locks, fire extinguishers and smoke detectors can bring discounts of 5%. Your insurance company may also offer discounts up to 10% for a partial or central monitored alarm system.
• Senior discounts.
  Insurance companies have found that retired people stay at home more and notice fires sooner than working people. Older people also have more time for maintaining their homes. If you're at least 55 years old and retired, you might qualify for a discount up to 10%.
• Check your policy.
  Finding an insurance agent early can save you money. Insurance agents are a great resource for information and can help you find the lowest insurance premiums. Work with your insurance agent to construct a policy that fits your needs.  Ask about value package discounts.

         This information is copyrighted by Homeowners Insurance 2007  at www.InsuringOklahoma.com which is 
         my own website and my original material.

I'm seeing more people want to do business from their home or office.  About 20% of my business now comes from the internet.  Besides creating and advertisng my website to insurance prospects, My Realtor network uses the FAST FREE On-Line Insurance Quote service to help clients get a competitive insurance quote.  My mortgage broker network uses the site as well. Lower insurance costs mean lower mortgage payments. When the client uses the service and mentions the Realtor, they also get a free roof inspection.  This has proved very helpful to the client, Realtor and Mortgage Broker..