(NAPS)—Many consumers are finding they can drive down the cost of car insurance—and the time it takes to select the right policy— by contacting an independent insurance agent or broker. 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 simple call or visit to your independent agent or broker. If you’re thinking of contacting an independent agent, here are a few things to consider:    What’s your lifestyle? Many factors determine auto insurance rates, not just vehicle year, make and model.

Companies also look at information about you. If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to your independent agent or broker. You may be eligible to save money on your car insurance.

Is your car getting older? 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, an independent agent or broker can advise you on what level of coverage makes the most sense. Raising your deductible could save you money each year, too. Do you have another type of vehicle that also needs coverage? 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.

Talk to an independent agent or broker about it. Another plus to working with an independent agent or broker is their ability to offer guidance for all your insurance needs—auto, home, life, business and more. They can customize a package of policies just for you.