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: Sep 26, 2021

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Key takeaways...

  • There are many factors which increase and decrease the cost of car insurance
  • Your driving record, credit score, and age can affect your monthly premium
  • Always ask about the savings on auto insurance should you move another insurance policy to the new provider

A conversation often heard among family and friends is ‘’How can I save money on car insurance?’’ and while much great advice arises out of these conversations, many consumers still do not have all the right answers.

To get the real facts about saving money on car insurance you need to learn about car insurance coverage and especially what type of car insurance discounts are available.

The search for the best car insurance rates starts with education. Much like buying a new television you need to understand what you are paying for instead of just trusting a car insurance agent will provide all the coverage you need.

Ready to compare car insurance quotes?  Enter your zip code above and start comparing for FREE!

Insurance FAQ

While there are many factors which increase and decrease the cost of car insurance, you must be aware there is also a vast array of car insurance companies.

Some deal with average needs, others deal with specialized needs such as classic car insurance or modified car insurance, while others specialize purely in luxury cars.

Car Insurance companies will always base your car insurance premiums on specific factors.

These common factors include:

  • The type of car being insured
  • Your driving record – especially accident history and moving violations
  • Your area of residence – Car insurance companies often have risk calculated right down to a zip code level based on statistics for auto theft, road congestion and more
  • Your years of experience behind the wheel
  • How long you have had car insurance
  • How many drivers in the household
  • How you plan to use the car
  • The amount of expected mileage per year

Although each driver is unique and car insurance quotes can vary greatly from one car insurance company to the next your best advocate is your own research.

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At the very least, learn about the common car insurance discounts available such as:

  • Multi-Vehicle discounts
  • Driver Education Course Discounts
  • Good Driver Discounts
  • Anti-Theft Device Discounts
  • Safety features (factory installed items such as ABS brakes and Air Bags)

Understanding what discounts to ask for is a key element for securing the best rates.

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Learn about your car insurance deductible options.

Many car insurance companies offer standard policies with a $250 deductible however by simply raising this to $500 or $1,000 you can often save 10 percent or more on your premiums.

Multi-Policy Discounts

Always ask about the savings on auto insurance should you move another insurance policy to the new provider.

Many times auto insurance is the most flexible product in a car insurance companies portfolio and they can offer substantial discounts – 20 or 30 percent – just from you having several policies with the same company

DUI Charge

Two of the major items many drivers often feel the major car insurance companies do not provide affordable coverage for.

While a DUI charge is extremely serious, you should re-consider your driving habits altogether.

Since its often a one time incident for many people, it can be very difficult to find affordable car insurance once convicted.

Look for specialized car insurance companies who offer policies in risk pools for drivers with the same history – you may just find the affordable coverage you need.

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Specialized Insurance such as Classic Car Insurance

Many specialized car insurance companies exist and these providers often have much greater coverage than traditional brand name insurance providers since they specialize only in the market.

Some classic car insurance isn’t allowed for a modified car, so you should always consider contacting a specialized car insurance company if your vehicle is anything more than factory stock

Young Driver Car Insurance

Perhaps one of the most important questions asked by car insurance companies is your age. For young drivers under the age of 25, expect to pay higher premiums.

This age group is recognized for a large number of accidents that occur on the roads.

However, there are things you can do to save money on young driver’s car insurance rates such as take a ‘’Defensive Driving course’’.

Once the age of 25 is reached, car insurance premiums often reduce dramatically.

Young people should also try hard to maintain a clean driving record as over the years it may offer discounts, those studying at college or University and attaining a B+ or 3.0 GPA are often provided with car insurance discounts.

Experienced drivers who have maintained a clean driving record and have no reports of accidents may be eligible for a Good Driver Discount.

Good Credit Score

An unfortunate factor that affects almost all premiums is your credit score, however, should you maintain a good credit score many car insurance companies will reward you with a small discount.

Car insurance comparison is the key element after education to find the best rates for you and your family.

We can help you start the search online so just enter your zip code below to get FREE car insurance quotes from the comfort of your home.


  1. https://www.forbes.com/forbes/welcome/?toURL=https://www.forbes.com/sites/jimgorzelany/2012/03/08/states-with-the-highest-and-lowest-auto-insurance-rates/&refURL=https://www.goo
  2. https://www.thebalance.com/how-to-get-your-driving-record-527249
  3. https://www.statefarm.com/insurance/auto/car-insurance-for-teens
  4. https://www.aisinsurance.com/
  5. https://www.libertymutual.com/auto/car-insurance-for-teens
  6. https://www.nationwide.com/car-insurance-discounts.jsp