Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Nov 3, 2020

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

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Key takeaways...

  • Always compare car insurance companies
  • Many insurance companies offer discounts up to 20 percent if you have more than one policy with them
  • Some car insurance companies will provide a list of discounts available for their policy products

Car insurance may be expensive but it’s well worth the cost. Not only will it protect you should an accident happen or your car is stolen, it is also mandated by the government.

However, there are people who cannot afford car insurance. Read on and learn about the ten ways that you can save money on car insurance.

Enter your zip code above for FREE car insurance quotes today!

1. Price Comparison

Policy coverage, premiums, available discounts, customer service hours, claims handling, online account management, and payment plans will always vary from one provider to another.

Just like you spent the time researching a new car you should always take the time to compare car insurance quotes.

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2. Find a “Lower Risk” Car

Car insurance companies base much of the premium cost on the make and model of the car being insured.

Models which have proven safety records and low rates of auto theft along with numerous safety features often reward owners with lower car insurance premiums.

3. Always Ask about Multiple Policy Discounts

Many insurance companies offer discounts up to 20 percent if you have more than one policy with them.

Most consumers have a life or home insurance policy so get a car insurance quote and multiple policy quotes from each potential provider you speak with.

4. Ask for Higher Deductibles

Car insurance premiums can often be reduced up to 30% by simply asking for a higher deductible.

All the word “deductible” means is the amount you are required to pay in the event of a claim before the actual insurance coverage kicks in.

By raising your deductible from $250 to $500 or even $1000, you should realize a lot of savings and still maintain a minimal out of pocket cost for an accident covered by your policy.

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Compare quotes from the top car insurance companies and save

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Compare quotes from the top car insurance companies and save

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5. Commute Close or Work from Home – Ask about Low Mileage discounts

Part of the formula for calculating car insurance premiums is how much time you are on the road.

So if you have just a small commute or work from home, it’s logical to assume you have lower than risk than somebody driving 20 miles a day each way to work.

6. Always Ask for a List of Discounts Available

Some car insurance companies actually provide a list of discounts available for their policy products.

It is a privilege for any company to earn your business, so ask about potential discounts from all the insurance companies you speak with.

7. Good Credit is a Must

Credit scoring is now part of the auto insurance formula in many states so make sure to maintain a good credit history.

Obviously, you want to do this anyway but understand a blemish or two might cost you when searching a new policy.

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8. Talk to Friends

There are no better referrals than from people you know.

Unlike a blind date where your friends may extend the truth a little about how attractive a particular person is, they will always tell you the truth about a car insurance company.

9. Make Love, Not War.

Ok, not in the literal sense but whenever you speak to an agent of a car insurance company be nice. Develop a phone personality and make them laugh or compliment them.

A lot of these agents deal with some very rude people but know lots of tricks and tips for saving money on car insurance and are only more than happy to share them with someone who makes them laugh.

10. Compare Car Insurance Companies

Many consumers still call their family agent they have used for years.

The internet empowers all of us access to information never available before so catch up with the next generation and use it. It’s your money and your peace of mind.

Enter your zip code below for FREE car insurance quotes today!


  1. https://www.allstate.com/tools-and-resources/car-insurance/ask-agent-premium-deductible-limit.aspx
  2. https://www.esurance.com/info/car/myth-your-credit-score-doesnt-affect-your-insurance-rate
  3. https://www.statefarm.com/insurance/auto