Early in the year is a great time to evaluate your car insurance policy and look for ways to save money. A few simple tweaks to your policy could help you find some extra savings you didn’t know were possible.

Your local insurance agent can help you formulate the right policy. The experts at car insurance group Progressive offer these tips for chatting with your agent:

Get the right amount of insurance. First, secure the insurance that’s required by the state. Next, ask your agent if you need physical damage coverage for your car. If you’re driving an older model, your car might be worth less than it would cost to insure.

Check your roadside assistance coverage. If you’re a member of AAA, you likely don’t need to pay for roadside assistance on your car insurance policy. The same goes for rental car coverage: if you have access to an alternate form of transportation while your car is being repaired following a claim, you might not need to pay for that coverage.

Ask your agent to shop around. Independent agents represent multiple insurance companies, so they can compare different companies and find the policy that’s right for you at the right price.

Update your policy. As your life changes – marriage, children, new cars – check in with your agent. You can maximize your savings by taking advantage of available discounts.

To learn more, talk to a local agent. You can find one near you at www.progressiveagent.com.

– Courtesy of StatePoint Media