Tips for Getting Cheap Car Insurance

Here are our top tips for getting cheap car insurance - 1) don’t purchase coverage you already have, 2) choose a safer vehicle, 3) take advantage of all available discounts, and 4) shop around online to get insurance quotes. Comparing insurance quotes online is the easiest way of getting cheap auto insurance. Start now with our free quote calculator below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 4, 2021

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It’s all about you. We want to help you make the right cheap car insurance coverage choices.

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.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Paying for auto insurance is something we all hate to deal with. Not all customers have the same ability to find cheap car insurance. However, we all must pay for car insurance if we want to drive our cars legally. Punishments for failing to carry insurance could range from traffic tickets, fines and increased exposure in the event of an accident. Make sure you are following the law by carrying liability insurance. Just because you have to buy coverage does not mean it has to be expensive. What steps can you take to lower your insurance? Get started now by using our FREE car insurance search tool; just put in your ZIP code!

Don’t Purchase Coverage you Already Have

Having as much protection as possible can be a good strategy when buying car insurance. On the other hand, you are just wasting your money if you are paying for protection you already have. Extra coverage to cover your medical bills may not be necessary for everyone. Having a good medical plan from your employer may already cover you in the event of an accident. Your liability coverage will already protect you in the event someone else is injured as a result of a car accident.

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Choose Your Vehicle Carefully

The type of car you drive has a significant influence on your insurance rate. Driving a car that is more likely to get a ticket, get into an accident or be stolen will cost you more money. Cars that cost more to repair will also cost most more to be repaired.

This is why electric cars don’t always qualify for special deductions. While they are not likely to be stolen, electric cars are also costlier to repair. These two factors effectively cancel each other out. Another factor that works against you when driving an electric car is the lack of driving data. Insurance companies simply don’t know if driving that type of car lowers your risk.

Purchasing an older car can work to your advantage if you are a younger driver. This is because you don’t have to carry comprehensive or collision coverage. These types of coverage will protect you in the event your car is damaged. Collision protects you in an accident while comprehensive covers you in most other cases. With an older car, the damage amounts will most likely be more than the car is worth. Why pay to insure a car that you would never bother repairing?

Take Advantage of all Available Discounts

Your lifestyle as well as you style of driving can qualify you for many discounts. Drivers who drive fewer than a set number of miles may qualify for a low-mileage discount. This can come in handy if you like to carpool to work or don’t like driving. You shouldn’t have to pay to insure a car you don’t drive all that often.

Driving safely can make you eligible for several discounts as well. Safe driver discounts can wipe out your deductible depending on how long you have been with your current carrier. Some insurance providers will even keep your rates steady after your first accident. Not filing a claim over the previous six months could make you eligible for a no-claims deduction.

Using the same carrier for all your insurance needs can save you money. Bundling any number of policies together can save you up to 10 percent on your premium. Homeowners, renters and life insurance policies are common policies that can be combined with your auto insurance to create this savings.

Paying your premium all at once can also create additional savings on your next policy. Paying the full six month premium at the time of purchase can save you as much as 10 percent as well. Bundling a policy while also paying in full saves you 1/5 of the premium right there.

Teen Drivers can Save Money Too

Drivers under the age of 21 should always be on their parents insurance policy. This is because they will be entitled to the same discounts their parents get. These discounts will significantly lower the amount paid for coverage.

Young drivers can take advantage of discounts designed especially for them. Getting good grades qualifies teen drivers for good student discounts.

Taking defensive driving classes can also lower insurance premiums.

Defensive driving classes can also counteract the damage done by a ticket or accident. Consider raising your deductible if you are younger driver. This is because a higher deductible will lower your premium. Driving an older car also makes having a high deductible a good idea. You will pay nothing on a car you won’t repair after an accident anyway. Take your deductible amount and use it for a down payment on a new car.

Taking out a credit card may actually be a good thing as well. Establishing some sort of good credit history could make a policy cheaper for a teen driver. That credit card could be used to pay off the insurance premium each month.

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Shop Around

You should always shop around for the lowest possible price on insurance. Not all companies are going to quote you the same price. Your current insurance provider may not be giving you the best price anymore. Taking a few minutes to shop around online can save you money on car insurance.

Getting a low rate on car insurance is all about making smart choices. Purchase a safe, reliable car that will pose a low risk to the insurance company. Younger drivers should consider staying on their parents policy in an effort to save money. Safe driving habits will also be a great way to lower the amount you are charged for your policy. Above all, never be content with your current rate. Always shop around to see if you could be saving money each month on insurance. Use our FREE car insurance search tool by entering in your ZIP code!

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