Car insurance falls under the category of items that no one particularly enjoys paying for. The fact of the matter is that it is absolutely necessary, and if you find yourself without adequate insurance, you will end up regretting it. Despite the fact that we have no option but to continue paying for it, there are several ways to go about spending less for it on a monthly basis.

Be a Stand-up Driver

A very simple way to start saving money on your car insurance is by following the rules of the road. If you exercise the utmost caution while driving, you will be rewarded with not only the safety of you and your passengers, but also a clean driving record. This translates into large savings in terms of car insurance. Perhaps the best tip for drivers is to pay attention to the road. These days there are so many distractions that can cause you to lose focus of the road. If you can control your own driving by doing this, you still have the task of looking out for other drivers that may not necessarily be paying attention to the road. The answer to this is to learn how to drive defensively. Try to anticipate what other drivers will do so that you can react to situations if they occur.

how to lower your car insurance rates

Shop for Lower Rates

The beauty of this day in age is that information is limitless thanks to the Internet. You have the option to compare rates and services instead of just going with the first company you find. This forces insurance providers to be competitive and offer you the best deals. Doing your research before shopping is a great tool for negotiating. The great part is that this research does not necessarily require a lot of time or effort. There are multiple websites that do the comparing for you based on your needs.

Switch your Employer

If you don’t already receive a discount through your employer for car insurance, this is something that you should definitely consider when looking for your next job. There are many industries and companies that offer discounts to its member or employees.

Purchase All of Your Policies from the Same Provider

Chances are that if you own a car, there are other things that you also need to insure such as your home or life. Insurance companies love to bundle their products and sell you on all of them at a reduced rate. If you have multiple policies in different places, consider bundling them to save some money.

Get a Family Plan

If your children or spouse are on a separate policy than you are, consider combining all of your policies into one. This is perhaps one of the best ways to cut a lot of the costs that are built into the administrative portion of having a policy. It is always less expensive to have combined policies versus one person on an individual policy. This is something to remember when shopping for many utilities as well.


  1. says

    I always tried the “plug in” from Progressive and I think my rates went down by about 30%! I was super paranoid while driving with the plug in and we usually used my wife’s car instead of mine… but I’m sure they know that too :)


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