Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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 19, 2020

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Here's what you need to know...

  • Online comparison shopping can save you hundreds of dollars on your car insurance
  • Compare at least different quotes before making a final decision
  • Inquire about multi-car discounts and discounts for safe drivers

Car insurance rates went up by more than 40 percent in the last year. Statistics show that one in four customers renew their coverage instantly without shopping around for a better deal.

Many insurance companies sell their products through online brokers that allow you to compare quotes from several providers simultaneously. Some insurers offer significant discounts to those who buy coverage online.

Find affordable car insurance now! Compare FREE quotes by entering your zip code above!

Table of Contents

Shop Around for the Best Deals

A recent study has shown that drivers can save over $200 when buying auto insurance online. By filling in one form you can get quotes from hundreds of car insurance providers.

Apply for as many quotes as your time will allow. Remember to compare all policies on a like-for-like basis.

Ask your family members and friends what insurer they use. Go online and read unbiased customer reviews.

Make a list of auto insurance providers that operate in your state. Don’t settle for the company you always use. Auto insurance premiums vary all the time.

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Use Quote Comparison Websites

Quote comparison websites allow customers to compare the price of goods and services from multiple insurance companies.

These sites usually provide online quotation tools, “best buy” tables and rate calculators.

Users are required to fill in a brief form with relevant details, including their age, driving record, and occupation. The application process takes 15 minutes or less.

Don’t choose the least expensive policy because you might not get the level of coverage needed.

Quality is as important a cost, so it makes sense to focus on getting the best value for your money when buying car insurance.

The easiest way to save money on coverage is to research before you buy.

Compare Car Insurance Companies

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Apply for Car Insurance Discounts

There are many ways to reduce car insurance rates and get the best deal out there. New drivers can save up to 30 percent on coverage by completing a defensive driving course.

Adding your spouse on your insurance policy will reduce your premiums by as much as 12 percent.

Married or cohabiting couples pay less on car insurance than singles.

You can also save money by parking your car in a garage overnight. Some insurers offer discounts to those who install an approved alarm and security devices to their vehicles.

Limit Your Mileage

A lower annual mileage can help you save over 10 percent on auto insurance. If you drive your car occasionally, you are less likely to get involved in an accident than a regular driver.

Some quote comparison websites feature online calculators to help you find out how many miles you drive each year. We have more information on low mileage car insurance.

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Build a No-Claims Bonus

Drivers who don’t make claims for five years can build up a no-claims discount and save over 50 percent on car insurance.

If you have a minor accident, you should pay for the repairs from your own pocket and protect your no-claims bonus.

Keep in mind that the definition of a no-claims bonus can vary greatly between insurers.

If possible, pay your auto insurance rates annually. If you opt to spread payment and pay monthly, you will be charged interest. Paying your premium upfront can save you up to 25 percent on car insurance.

Car Security Devices

Any extra security measures you take to protect your car will result in extra savings. For example, just by installing an approved alarm can save you up to 10 percent on auto insurance.

If your car has airbags, automatic seatbelts, and steering locks, you will get lower rates.

In addition, raising your deductible can save you hundreds of dollars a year.

The more you increase your deductible, the less you will have to pay for coverage. Agreeing to pay more from your own pocket in the event of an accident will bring down your rates.

Consolidate Your Policies with One Company

If you have insured your car, home, boat and other assets with different companies, you may be paying too much.

Combining all of your insurance needs into one bundle can save you a lot of money.

Choosing one insurer to handle all of your policies can lower your rates.

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Improve Your Credit Score

Fixing your credit score is one of the best things you can do to lower your insurance rates.

Keep your credit score clean by paying off your debts on time.

You should also request a copy of your credit report annually, even if you know your report is clean. In the meantime, you should try these tips for finding cheap car insurance with bad credit.

Maintain a Good Driving Record

Many insurance carriers offer good driver discounts to those who maintain a good driving record. You won’t get cheap auto insurance if you have had two accidents and three speeding fines in the last year.

Insurance companies take driving convictions very seriously. Accidents and points on your license will increase your premium.

There are many other things you can do to get affordable car insurance. Don’t add a young driver to your policy because you will end up paying higher rates.

Cut down on policy extras and review your policy for unnecessary add-ons.  Buy coverage above the minimum requirements.

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References:

  1. https://www.nationwide.com/car-insurance-discounts.jsp
  2. https://www.safeco.com/products/auto-insurance/discounts/low-mileage
  3. http://www.wiselivingjournal.com/4-safety-features-that-lower-car-insurance/
  4. http://www.21st.com/auto-insurance-information/understanding-car-insurance-deductibles.htm
  5. https://www.annualcreditreport.com/index.action
  6. https://www.statefarm.com/insurance/auto/car-insurance-for-teens