Your personal items lost due to vehicle theft are not covered by your auto insurance policy. Your homeowner policy covers these items instead. If you regularly have expensive items in your vehicle such as laptops and a GPS device, you should carry a rider to cover those expensive items. You should also have photographs of those items.

Auto insurance is tax deductible for business use. Simply determine the amount of time that you use your car for solely business purposes. For example if it’s 30% of the time, then 30% of your auto insurance may be deductible. It may be to your best advantage to take the flat per-mile reimbursement instead.

Affiliation with AAA and other professional organizations will lower your auto insurance rates. Check with your employer to see if they offer any group insurance rates. Ask your insurance rep which groups & organizations would lower your auto insurance rates.

Your credit score affects your auto insurance rates. Research has proven that there’s a link between your credit score and the likelihood that you will file a claim. Plus, car insurers know that if you pay your bills on time and you’ve had the same credit accounts for a long time, then you’re generally more stable and far less likely to pay late or open & close accounts a lot. Auto insurance companies use all of this information to come up with an "insurance risk score" for you.