7 Tips on How To Get Cheaper Car Insurance

Car insurance is one of those necessary evils that most drivers simply accept as a part of life. But just because car insurance is required doesn’t mean that it has to be expensive. In fact, there are several relatively simple tips that can help you save money on your car insurance premium.

Improve safety and security of your vehicle

One of the best ways to save money on your car insurance is by improving the safety and security of your vehicle. Before you install anything, check with your insurance company to see if it will qualify you for a discount. Some of the most common safety and security features that could earn you a discount include:

  • Anti-theft devices
  • Car alarms
  • Tracking devices
  • Immobilizers
  • Security window etching

Pay only for what you need

Another great way to save money on your car insurance is to only purchase the coverage that you need. For example, if you have an older vehicle that is not worth very much, you may not need comprehensive or collision coverage. If you live in an area with little crime, you may not need to pay for theft protection. By carefully evaluating your needs, you can avoid paying for coverage that you don’t really need.

Choose a higher deductible

One of the quickest and easiest ways to save money on your car insurance premium is to choose a higher deductible. The deductible is the amount that you would have to pay out-of-pocket in the event of an accident or other covered event. By opting for a higher deductible, you can often reduce your premium by a significant amount. Just be sure that you are comfortable with the higher deductible in case you do need to make a claim.

Ask about discounts

Most car insurance companies (visit offer a variety of discounts that can help you save money on your premium. But you won’t know what discounts are available unless you ask. Some of the most common discounts that you may be eligible for include:

  • Multi-car discount
  • Low mileage discount
  • Safe driver discount
  • Defensive driving discount

Bundle your insurance

If you have more than one type of insurance policy, you may be able to save money by bundling them together. Many insurance companies offer discounts to customers who have multiple policies with them. For example, you may be able to get a discount if you bundle your car insurance with your homeowner’s or renter’s insurance.

Pay annually only

If you have the option to pay your car insurance premium annually or monthly, choose annual payments. You can often save a significant amount of money by paying once a year instead of every month.

Review your policy regularly

Finally, be sure to review your car insurance policy on a regular basis to make sure that it still meets your needs. As your circumstances change, so too should your insurance coverage. For example, if you get married or have a child, you may need to add them to your policy.

By following these simple tips, you can save money on your car insurance premium and make sure that you are only paying for the coverage that you need.