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Affordable Car Insurance Tips

With gas at a new all time high almost every day, it’s more important than ever to start learning how to save money on your car insurance. Here are some tips to help you find more affordable car insurance.

Comparison Shop For More Affordable Car Insurance

You see car insurance commercials every five minutes so you know there are dozens of companies out there, but how often do you shop around? These companies are jockeying for your business every day, so you should comparison shop at least once a year. Most companies will offer a quote online so there is really no reason not to compare rates.

Consolidate Cars

If you have more cars than drivers, you may want to think about taking one of them off the road, at least seasonally. Some of you may have cars insured that aren’t even drivable. If you’re paying for cars that you rarely or never use, you’re just throwing money away.

Ask For Multi-Car Discounts

If you have more than one car, ask your car insurance agent about a multi-car discount. If your agent doesn’t offer such a discount, see step number one and shop around for someone who does. If you want more affordable car insurance, don’t be afraid to pit car insurance companies against each other.

Take A Safe Driving Course

Most car insurance companies offer a discount of 10% or more when you take a safe driving course. Most courses can be completed in an afternoon and are usually inexpensive. Be sure to weigh the cost of the course against the potential savings before committing to a course however.

Raise Your Deductible

This tip is admittedly a little risky, but increasing your deductible will save you money on a month to month basis. If you are unfortunate enough to get into an accident however, it will cost you more. For example, increasing a deductible from $500 to $1,000 will lower your monthly premium, but will cost you $500 more should you wind up in a wreck.


Just Drive Safely!

This is by far the easiest, yet most often overlooked advice we can give you. If you don’t want your car insurance premiums to rise, don’t drive recklessly, don’t speed and of course don’t drink if you must drive. Nobody can commit to staying 100% accident free (that’s why they call them accidents after all) but taking some simple safe driving steps will help you find the most affordable car insurance.

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