13 Simple Tips for Getting Cheap Car Insurance 

Car Insurance
Car Insurance

Car insurance is a necessary Evil. You need it to protect your vehicle, but the costs can add up quickly.

Here are thirteen tips to help you get cheaper car insurance.

1.  Shop around and compare rates from different companies:

This is the best way to find a cheaper rate. Each company uses different criteria to determine rates, so it’s important to compare as many companies as possible.

2.  Ask about discounts:

Many companies offer discounts for certain things such as good driving record, multiple vehicles, etc. Be sure to ask about any discounts you may qualify for.

3.  Raise your deductible:

The higher your deductible, the lower your monthly premium will be. However, this means that you will have to pay more out-of-pocket if you do have an accident.

4.  Don’t insure your old clunker:

If you have an older car that isn’t worth much, it doesn’t make sense to get comprehensive or collision coverage. Just get the minimum liability insurance required by your state.

5.  Get rid of unnecessary coverage:

If you have coverage that you don’t need, such as towing or rental car reimbursement, get rid of it. You can always add it back if you find that you need it later.

6.  Bundle your policies:

If you have multiple vehicles or other types of insurance with the same company, you may be able to get a discount for bundling them together.

7.  Pay annually:

Many companies offer discounts for paying your premium all at once rather than in monthly installments. This can save you quite a bit of money over the course of a year.

8.  Get a safe car:

Cars that are considered safer to drive (such as those with airbags and anti-lock brakes) usually cost less to insure.

9.  Drive less:

The less you drive, the lower your risk of having an accident. If you can carpool or take public transportation to work, you may be able to get a low-mileage discount from your insurer.

10. Take a driving course:

You may be able to get a discount on your premium if you complete a defensive driving course. Check with your insurance company to see if they offer this discount.

11. Keep your credit score up:

Your credit score is one of the factors that insurance companies use to determine your rates. So, if you have a good credit score, you may be able to get a lower rate.

12. Avoid accidents and traffic violations:

This one is pretty self-explanatory. If you have a clean driving record, you will probably pay less for car insurance.

13. Review your policy regularly:

Make sure that you are still getting the coverage you need and that your rates are still competitive. If not, shop around and compare rates again. These tips can help you get cheaper car insurance, but there is no one perfect way to do it. Just remember to shop around, compare rates, and ask about discounts. And, most importantly, don’t let your car insurance lapse!


1. How much should I expect to pay for car insurance?

This depends on a number of factors, including your age, driving record, the type of car you drive, and where you live. Generally speaking, you can expect to pay around $100 per month for car insurance.

2. Is there a way to get cheaper car insurance without sacrificing coverage?

Yes. One way to do this is to raise your deductible. This will lower your monthly premium, but it means that you will have to pay more out-of-pocket if you have an accident. Another way to save money is to get rid of any unnecessary coverage, such as towing or rental car reimbursement.

3. Can I get a discount on my car insurance if I have multiple cars?

Yes. Many companies offer discounts for insuring multiple vehicles with them.

4. Can I get a discount on my car insurance if I have a good driving record?

Yes. Most companies offer discounts for good drivers.


There are many ways to save money on car insurance. The best way to do it is to shop around and compare rates. You can also get discounts by raising your deductible, driving less, and taking a defensive driving course. Remember, the key is to never let your car insurance lapse!