Shop the Market
Compare car insurance quotes from multiple companies, inputting the same information on your end each time. Switching auto insurance may be your best chance at saving money.
Get Minimum Car Insurance Coverage
Your absolute cheapest option, no matter where you live, is to buy the minimum coverage your state requires. However, while this will lower your premiums as much as possible, you’ll be more financially responsible in at-fault accidents. Also, no state requires collision or comprehensive coverage, so if you only get the minimum, any property damage another driver didn’t cause is your out-of-pocket responsibility.
Bundle Your Policies
Whether you have renters insurance, life insurance, boat insurance, or home insurance, bundling it with your auto insurance policy is a great way to get insurance discounts on both.
Bundling isn’t the only discount available. Here are a few we’ve seen from companies across the country:
- Early signing
- Driver training
- Annual payment
- Safe/accident-free driving
- Federal employee
- Good student
- Hybrid vehicle
- Safety equipment
Ask your insurance agent which discounts your insurer offers that apply to you. Agents can provide personalized service — in contrast to brokers, who only act as middlemen between the insured (you) and the insurance company.
Increase Your Deductible
If you keep your collision and comprehensive coverage, raising your deductible will lower your premiums.