Stop overpaying for car insurance.

At least once a year, ideally a few weeks before each renewal. Also re-quote after any big change: moving, buying a new car, adding a driver, or an old ticket dropping off your record.

Usually not. Insurers typically use a soft inquiry, which does not affect your credit score, and some states limit credit-based pricing altogether. You can compare as many quotes as you want.

It depends on the policy. Some personal policies cover occasional business use, and others exclude things like paid deliveries. The Texas Department of Insurance puts it plainly: tell your insurer about business driving, or a claim could be denied.

It can, but then the car generally needs a commercial auto policy in the business’s name, which usually costs more than a personal policy. For most solo store owners, keeping the car personal and tracking business mileage is simpler. Talk to your accountant before you retitle anything.

Do not just cancel it. A gap in coverage can raise your future rates, and many states require continuous insurance on a registered vehicle. Ask your insurer about dropping to comprehensive-only coverage while the car is stored, and check your state’s rules first.

State minimum liability is the cheapest legal option, but the limits are low and you are on the hook for anything above them. If you have assets to protect, like a business and savings, higher liability limits are usually worth the small extra cost. If your car is financed, the lender will require collision and comprehensive anyway.