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A Few Easy Ways to Save Money on Car Insurance

Updated on July 27, 2012
  1. Reduce liability insurance. This is the amount that your insurance company will pay out to other people who are in an accident that is caused by you. For example, you may have 100/300/100 right now, which stands for $100,000 per person, $300,000 per occurrence, and $100,000 for property damage. You can reduce it to 50/100/50 and save a significant amount each month. Keep in mind that these numbers are the maximum your insurance company will pay out; if the personal injury expenses or damage to the other person's vehicle exceeds the respective coverage, then the difference comes out of your pocket. So dropping your coverage too low is a risk.
  2. Avoid speeding tickets and accidents. These increase your rate. Too many tickets and accidents, and your insurance company may threaten to drop you. Each speeding ticket and accident stays on record for 3 years for my policy. Then the rate drops back down when they see you have learned to control yourself.
  3. Good student discount. If you are a student, you can submit your report cards or transcript to receive a reduced rate if your GPA is over a 3.0 for example. As if better grades make a person a safer driver?
  4. Age. Once you turn 25, your rate substantially drops. Young men have the highest insurance rates.
  5. Type of automobile. Type of car you drive makes a difference in what you pay. An expensive, high horsepower, rear-wheel driver sports car will cost a lot more to insure than an old, slow minivan.
  6. Shop around. A different company may offer a better deal for the same coverage. Talk carefully with the agents and ask a lot of questions.

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