In today's tough economy consumers are looking for ways to save money.  Many people are finding they can drive down the cost of car insurance by shopping the price, but who has time?  Did you know an independent insurance agent can do this for you?  Because they represent many different insurance companies, independent agents have the flexibility to review rates and coverage from competing carriers and get you the best deal.  Plus, they can offer affordable protection for your home, business and other assets.  So rather than spending hours gathering quotes from various companies, you can get it done with one call.

Before you call, here are a few things to consider:

• Many factors determine car insurance rates, not just vehicle year, make and model. Companies also look at information about you and your driving record. If you've gotten married, taken a driver safety course, or experienced a similar milestone, mention this to your independent agent. You may be eligible for certain discounts.

• Sweet 16 does not always have to drain your wallet. Having a new teenage driver usually means the car insurance bill will go up, but there are ways to save. Your agent can help you find discounts for driver's education, good student, and maybe more.

• How old is your car? You don't always need the same level of physical damage coverage on older cars as on newer ones. If you drive an older car, you can speak with your agent about the proper coverages. If you want to keep your physical damage coverage, consider raising your deductible to save you money.

• Save money on the fun stuff. If you have a motorcycle, boat, RV or other "toy," you might save money by having it covered by the same company that insures your car.

• You may also want to consider separating your homeowner's policy from your car insurance policy. Bundling your homeowner's policy with your car insurance does not always save you money. It may, but have your independent agent look at separating the policies. The discount you may have gotten for keeping them together may be outweighed by the lower price another company has for your car insurance.