The Ultimate List of Tips to Save on Auto Insurance

 1. Shop Around for the Best Deal

Don't settle for the first offer you get! Insurance prices can vary a lot between companies, so take a few minutes to compare quotes.

2. Bundle Your Policies

One stop shopping, big savings. If you have renters or home insurance, bundle them with your car insurance. Most companies will give you a discount when you have multiple policies with them.

3. Increase Your Deductible

Risk a little more now, save later. If you raise your deductible (the amount you pay out-of-pocket before insurance kicks in), your monthly premiums will be lower. Just make sure you have enough saved up for that rainy day!

4. Drive Less (And Save More!)

The less you drive, the less you pay. Low-mileage drivers are seen as less risky, so if you don't drive much, let your insurer know. Some even offer discounts for people who drive under a certain number of miles per year.

5. Improve Your Credit Score

A good credit score means lower insurance rates! Insurance companies often use your credit history to determine rates. So, paying down debt and making payments on time can help reduce your premium.

6. Opt for a Safe, Reliable Car

The newer and fancier, the higher the price tag. Choose a car with high safety ratings and lower repair costs. The more expensive your car, the more it costs to repair or replace it, which can drive up your insurance.

7. Seniors, take a Defensive Driving Course

Get schooled, save money. Many insurers offer discounts if you take a certified defensive driving course. It’ll make you a safer driver—and save you cash!

8. Maintain a Clean Driving Record

No tickets, no accidents = happy wallet. Keeping your record clean is one of the best ways to lower premiums. Insurers love drivers who’ve stayed ticket- and accident-free for a few years.

9. Electronic Monitoring
Most carriers have an option to sign up, which usually involves downloading an app on their phone that collects driving habits. Some have additional options for new young drivers that will block phone usage during driving.

10. Ask About Discounts

Don’t be shy—ask! It could save you cash. Insurance companies often offer discounts you might not know about. These can include discounts for things like safety features in your car, low mileage, or even being a good student.

11. Drive a Car with Safety Features

Safer car = lower premiums. Cars with features like airbags, anti-lock brakes, and automatic emergency braking systems are often cheaper to insure because they reduce the risk of accidents and injuries.

12. Limit Coverage on Older Cars

If your car’s not worth much, you don’t need full coverage. If your car’s value has dropped significantly, it may make sense to reduce your coverage. For example, you could drop collision or comprehensive insurance on a car that’s worth less than your deductible.

13. Pay Your Premiums Upfront

Monthly payments add up fast. If you can afford it, paying your premium in one lump sum can save you a bit on fees and interest. Plus, it’s one less thing to worry about every month.

14. Choose the Right Car Insurance Provider

The right company makes all the difference. Customer service, claims process, and overall satisfaction vary by company. Do your research and choose one that balances cost with good service. Sometimes a slightly higher premium from a reliable company is worth the peace of mind.

15. Stay on Your Parents’ Insurance (If You Can)

Hey, you’re still family! If you're under 25, staying on your parents' policy can sometimes save you big bucks. Many companies offer lower rates for young drivers under a parent’s policy, especially if you don’t drive often or have a clean driving record.

There you go! With a little bit of strategy, you can shave off quite a bit from your monthly car insurance premium.

Happy driving (and saving)!