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 Chris Harrigan

UPDATED: Apr 13, 2022

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Here's what you need to know...

  • Have a good credit score because it can impact your car insurance rate
  • Most states just require liability insurance to drive legally
  • Increasing your deductibles can substantially lower your premiums

People now are constantly looking for ways to save money on car insurance.

Gas prices are high, people are losing their jobs, and just do not have the money be throwing away on unnecessary things.

One way that you can save money is on affordable car insurance. Car insurance does not have to be expensive, as there are many ways to find cheaper car insurance.

Find affordable car insurance now! Enter your zip code below and compare quotes for FREE!

How to Save Money on Car Insurance

Calculate your budget before you look for insurance, so you will know exactly what you can spend on car insurance. You do not want to get in over your head where you cannot pay your premiums.

Have a good credit score because it can impact your car insurance rate. If your credit score is low, you might try raising it.

Have a good driving record because you can lower your premiums just by driving safely.

Purchase only the minimum coverage; therefore, do not get coverage that you do not need. Most states just require liability insurance, so do not get a lot of unnecessary coverage.

Increase your deductibles because this can substantially lower your premiums.

You can save money if you purchase your insurance online. If you do not have an agent that needs to get paid, you can save money on your insurance.

You should also ask about possible discounts. Some of the discounts that many companies offer include:

  • Group discounts
  • Valuable customer discounts
  • Low-mileage discounts
  • Multi-car discounts
  • Car safety discounts
  • Student discounts

They usually do not tell you up-front about the discounts offers, so you need to as questions.

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Types of Affordable Car Insurance Coverage

There are several types of car insurance that is available. The most basic type is liability insurance, which is required by most states.

This pays for anything that happens to someone else because you are at fault. It normally covers bodily injury, which covers medical cost as a result of injuries to a third party.

It also pays for property damage in the event that you caused damage to someone else’s property.

It might also be a good idea to get collision insurance. This will cover damages that are a result of an accident with another vehicle or object.

You usually can choose the amount of your deductible. The higher your deductible, the lower your premium.

Comprehensive insurance coverage includes almost everything not covered by liability or collision insurance.

This could include damages that are caused by storms, a rock smashing your windshield or theft.

Unfortunately, some people choose not to purchase insurance, so it might be a good idea to get underinsured or uninsured motorist insurance.

This covers damages that occur as a result of a driver who does not carry insurance or damages that occur if the driver at fault does not have enough insurance to cover the cost.

How to Get the Best Deals on Affordable Car Insurance

Probably the best way to find the best car insurance is to shop around and compare prices. Insurance premiums for the same car on the same type of coverage can vary among companies.

Therefore, you should be detailed and meticulous when looking for affordable car insurance.

You might think that you have been with the same company for many years and do not want to change. However, looking around could really save you money.

There are also company ratings that you can search to see how the insurance company scores when dealing with car insurance. A.M. Best is the best for rating car insurance companies!

There are several things that you can look for when searching for the best deals:

  • Assess your driving habits and where you mostly drive. An insurance company will determine what type of driver you are.
  • How much can you pay? You will get what you pay for, and you don’t want to get unnecessary coverage.
  • You need to look at the incentives, discounts or promotions that the company will provide.
  • You need to closely look at the company. It needs to be one that you trust and can depend on to meet your needs. Research the reputation of the company and how stable it is.

It is important that you do not let your car insurance expire, as this could cost you thousands of dollars if you are involved in an accident.

ar repairs, legal fees, or medical bills will cost you much more than you pay for affordable car insurance.

Most companies offer free car insurance quotes, so you should obtain quotes from many different companies.

By comparing and getting quotes, you can get the best value for the money. Therefore, if an accident happens, you will not go into debt because you cannot pay the bills.

Don’t wait! Enter your zip code below and save money by comparing car insurance companies for FREE!


  1. https://help.creditkarma.com/hc/en-us/articles/202333614-What-is-a-good-credit-score-
  2. https://www.allstate.com/tools-and-resources/car-insurance/property-damage-liability-insurance.aspx
  3. https://www.progressive.com/auto/
  4. https://www.libertymutual.com/auto/car-insurance-coverage/bodily-injury-liability
  5. https://www.esurance.com/info/car/myth-comprehensive-covers-everything
  6. https://www.allstate.com/tools-and-resources/car-insurance/underinsured.aspx