Car Insurance Money-saving Hacks

Quick Tips to Save Money on Your Car Insurance

Car insurance is something that the vast majority of people will have to deal with at some point in their lives. It’s a tough pill to swallow, but now more than ever, it is essential to find ways to save money on your car insurance. The cost can vary widely depending on the type of car, where you live, and what kind of coverage you choose. In this article, we will go over quick ways to save money on your car insurance, so you don't have to break the bank every month!

quick tips to save money on your car insurance

Quick Tips to Find a Cheap Car Insurance

Get Your Quote in Good Time – Never Auto-Renew

In case you’re wondering,

The first thing to do is start the process of getting car insurance quotes.

You will want to get your quote in good time so you can find a policy that works best for your needs and budget before the renewal date arrives.

It’s also essential not to auto-renew, as this will lock you into whatever price was at when it expired!

Pay Straight Up

Pay Straight Up

The best way to get the cheapest car insurance is by paying in installments.

Check with your insurance provider and find out if they offer discounts for auto-payments or set up recurring monthly payments from an account you have on file with them.

If not, see what other companies may be able to do this instead! It’s worth it so that you don’t end up owing a lot of money at once come renewal time!

Get the Right Car With the Right Engine

Get the Right Car With the Right Engine

Look for cars with higher safety ratings and those that are less likely to be stolen.

You see:

Higher theft rates usually mean the insurance will cost more due to the additional risk factors involved.

The car engine also needs to be considered as some machines are much safer per mile driven than others, leading you to save money on your yearly premium.

In addition, safety features such as airbags have been proven by studies that save lives and reduce claims of injury when accidents occur in other areas (head/neck).

Increase Your Car's Security

Increase Your Car’s Security

In case you didn’t know,

A car that doesn’t have locks installed or up-to-date locking devices is more likely to be stolen.

Consider adding alarm systems, alarms on windows and doors, as well as a vehicle tracking device2 if your car has one (these can all help cut down the cost of insurance).

Don’t Under Estimate Your Mileage

Don’t Under Estimate Your Mileage.

The more miles you drive, the higher your risk of being in an accident. If you are someone who commutes to work or school and drives a lot for leisure, then consider cutting back on these activities so that it can help lower the cost of your insurance premium each year.

Let me show you

Driving once a week doesn’t seem like much but driving only one day out of every four days means that there’s going to be significant mileage on any vehicle (and this will lead to costing drivers far more money) if you’re somebody who is not an everyday driver and does have good driving history, go with an insurer which offers unlimited mileage on your insurance policy.

Add an Extra Driver

Add an Extra Driver

This will not only reduce your insurance premiums, but it can also help you get a better rate if there is another experienced driver who does not have any accidents or tickets on their record.

The rates vary depending on the age of the new person and their driving record, so be sure to do some research and compare with other companies before adding someone else to your policy plan.

Don’t Drink and Drive

Don’t Drink and Drive

If you’re going to drink, then do not be behind the wheel.


If you are going to drink and drive, make sure that you have a designated driver or use public transportation instead of driving yourself home.

It’s impossible for anybody drunk to react as quickly as someone sober would in an emergency – this means less chance of injury (or worse) should anything happen while they’re operating their vehicle.

And a Few Extra Ideas

And a Few Extra Ideas

Take Advantage of Discounts

Many car insurers offer discounts if specific criteria are met, such as being married or having multiple policies with them.

Some companies may even provide an additional discount for paying on time every month or bundling various types of coverage from one company (homeowners/renters, life insurance).

So don’t forget to ask!

Keep Your Car’s Oil Changed Regularly!

Oil changes are essential because they keep the engine in good shape and decrease wear and tear, which reduces risk factors for accidents such as those caused by brake failure.

Make sure you change your oil regularly, so it lasts longer!

Common Questions

What Do Car Insurance Companies Check?

What Makes Car Insurance Go Up?

At What Age Does Car Insurance Go Down?

How Do I Get the Most Out of My Car Insurance?

In conclusion

That was only the beginning,

The car insurance industry is constantly changing, and there are new ways to save money on your auto insurance policy.

The tips mentioned above can help reduce the cost of your monthly bill, but don’t forget that by shopping around for a better premium or using other available discounts, you may be able to get coverage at a lower price.

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Editorial Note: This content has been independently collected by the EveryInvestor advisor team and is offered on a non-advised basis. EveryInvestor may earn a commission on sales made from partner links on this page, but that doesn’t affect our editors’ opinions or evaluations. Learn more about our editorial guidelines.
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