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Do You Qualify for a Discount on Your Auto Insurance?
I Have Good Grades!
I Took Drivers Ed Classes
I Have a Car Alarm
None of the Above but I Simply       Want to Pay Less!

James F. , MA
Saved $352

Brett R. , RI
Saved $90

Jordan C. , CA
Saved $138

Josh L. , PA
Saved $175

Donna G. , VA
Saved $235

Tyler J. , NY
Saved $216

Kristine L. , AK
Saved $184

Michael R. , FL
Saved $312

Tammy F. , TX
Saved $119

Charlie N. , VT
Saved $229

Faith G. , ME
Saved $187

Jake B. , IA
Saved $288

James F. , MA
Saved $352

Brett R. , RI
Saved $90

Jordan C. , CA
Saved $138

Josh L. , PA
Saved $175

Donna G. , VA
Saved $235

Tyler J. , NY
Saved $216

Kristine L. , AK
Saved $184

Michael R. , FL
Saved $312

Tammy F. , TX
Saved $119

Charlie N. , VT
Saved $229

Faith G. , ME
Saved $187

Jake B. , IA
Saved $288

How to get cheap auto insurance rates and save money on your insurance policy

  1. Choose to have higher deductibles

    A deductible is the out-of-pocket amount that you would have to pay before your auto insurance policy takes effect. You could buy cheap auto insurance and save at least 15% to 30% on the cost of your collision and comprehensive coverage.

  2. Maintain good credit history

    Most auto insurance companies use your credit rating to determine how much you should pay for auto insurance. Consumers can receive a cheaper auto insurance rate with better credit scores. Auto insurance companies have determined that consumers with better credit tend to have fewer accidents. Get a copy of your credit report and correct errors or information that could negatively affect your score in order to avail of the cheapest auto insurance rates.

  3. Maintain a good driving record

    Many companies offer auto insurance rate discounts for drivers who have not had any accidents or tickets for a specific number of years.

  4. Compare auto insurance rate costs before you buy that new car

    Before buying a new or used car, check with your auto insurance company for estimated coverage costs. Depending on the safety features on the car, you could get cheap car insurance rates. Air bags, anti-lock brakes, car alarms, and daytime running lights could qualify for car insurance discounts. Also, cars with high theft rates and repair costs will cost more to insure.

  5. Reduce coverage on older cars

    Dropping collision and comprehensive coverage on older cars is another way to reduce your auto insurance rates. If your older car is worth less than 10 times the amount you’d pay for coverage, any claim payment you’d receive would not substantially exceed your premiums minus deductibles.

  6. Insure your home and car with the same insurer

    Having both your homeowners and auto coverage with the same insurance company will usually get you cheap auto insurance rates.
    Save 10%-20% off your premiums.

  7. Ask about auto insurance discounts

    Auto insurance discounts vary among auto insurance companies. Auto insurance companies should include discounts for:

    • Air bags
    • Anti-lock brakes
    • Higher deductibles
    • No accidents in the past 3 years
    • No tickets in the past 3 years
    • Student drivers with good grades
    • Multiple car coverages
    • Low mileage discounts
    • Driver training course or defensive driving course
    • Senior discount
    • Car alarm / locator device
  8. Comparison shop for auto insurance companies

    Compare auto insurance rates from at least three different companies to get the cheapest auto insurance rates. You can call the auto insurance companies directly or get online auto insurance quotes. Consumers can check insurance rating companies to compare the financial stability of different auto insurance companies. Insurance rating companies include:

    AMBest
    ,
    Standard

    and Poor’s, and
    Moody’s

    You can start here to shop for online auto insurance.