Ways to save money on car insurance:

• Check with a military association that might sponsor automobile insurance; one of the most respected companies insuring only military members and their families is USAA-visit their Web site at http://www.usaa.com.



• Install an anti-theft device in your car.



• Insure your car and home (or apartment/military housing) with the same insurer.



• Choose an insurer that does not add charges if you or your car is involved in an accident charged against someone else.



• Find an insurer that offers you a discount if you are a nonsmoker or non-car-phone-user.



• Ask for a discount if you have an accident-free and ticket-free record.



• Insure all your cars with the same company.



• Take advantage of the cheaper rates if you use your car only for pleasure driving.



• Ask your insurance company which cars have the lowest collision repair costs that result in lower premiums than cars with high collision repair costs.



• Choose a higher deductible for collision and/or comprehensive coverage.