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With household budgets cut to the bone, more and more consumers are shopping to find the best car insurance rates available. There is no question that a carefully planned insurance strategy, coupled with a handful of quotes from competing insurance companies, can lower your car insurance rates by a few hundred dollars — or enough to cover one of your monthly car payments!

So how do you plan the ideal car insurance strategy? Here are five tips to get you started:

1. Don’t get caught with a lapsed policy. As soon as your policy expires, you fall into the “uninsured” category of car insurance buyers. This means you will ..read more