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Don't be Lame, Read this to Find out 8 Ways to Save on Your Car Insurance

Updated on December 14, 2012

There are some really easy ways to save on car insurance that are sometimes overlooked. Below I'll talk about 8 ways you can save on your car insurance.

Combine Insurance Policies

One very easy way to save is to combine all of your insurance policies. This means get your life, auto, home and other insurances all through one company.

Multiple Car Discounts
Insurance companies give significant discounts when you insure all of your cars through them. So families, couples, use one insurance company for all of your cars and watch your rates go down.

Defensive Driver Course
Go take a defensive driver course. Heck, we all need this course with as many bad drivers there are on the road. After you complete the course, simply let your auto insurance know. This simple step here can save you up to 10% on your overall premium.

The Good Driver Discount
Be a "good" driver can also save you. (It's really not that hard to do.)

For most states, being a good driver means:

-You've had a license for 3 consecutive years.
-You have had no more than one minor driving citation. (Speeding, running a stop sign.)
-You have zero major violations. (DUIs, grand theft auto, etc.)

In most states, car insurance companies give good drivers a discount of up to 20%.

Be Loyal to Your Insurance Company
Show your auto insurance company some love, and go steady with them for 3 to 5 years. In doing so you'll see that you get a break on your rates. Sometimes you have to call and ask if there is a customer loyalty benefit.


Buy Cars With Safety and Security Features
Insurance companies love a safe and secure car. So as you shop for cars, look for one that is well, safe, and secure; and then save even more on your auto insurance.

Good Student Discount
It literally pays to be a good student. Usually to qualify for this break you have to have a GPA of 3.0 or better, or be in the top 20% of your class. So, just by being a little brainy you could save 10 to 15%. This opportunity to save is great for teen drivers as they are already considered high-risk drivers and have substantially higher premiums than adults.

Slow Down!
Slow down people! This one is a no-brainer, but every time you get a ticket for speeding, you are driving those insurance rates up. So go easy on the gas and watch that speed!

Safe Driver?

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