How Can I Get Cheaper Car Insurance?

You may not be able to control how much you pay for gas, but you can control the cost of your car insurance.

The average American spends $1,000 a year on auto insurance premiums. That’s an expensive price tag. Luckily, there are ways to slash those costs while still getting quality coverage!

Never take a first offer that you see

No matter how cheap it is, always get multiple quotes. The best way to do this is through an insurance comparison website. You simply enter in your car make and model, personal information, and what type of coverage you’re looking for. Then, you’ll get multiple quotes from different insurers in just a few minutes!

You can also just go to each individual insurer’s website and get a quote that way. Just make sure you’re getting comparable coverage so you can accurately compare prices.

From there, it’s just a matter of finding the cheapest option. But, beware: the cheapest option isn’t always the best one. Make sure you read the fine print before buying a policy!

Look for discounts

There are a ton of different discounts that you might be eligible for. Some common ones include:

  • Multi-car discount: If you have more than one car, insure them with the same company to get a discount.
  • Good driver discount: If you haven’t had any accidents or violations in a few years, you could get a lower rate.
  • Safe driver discount: If you take a defensive driving course, you could get a lower rate.
  • Discounts for students: If you’re a student, you could get a discount just for being in school!

These are just a few of the discounts that you might be able to get. Every insurer is different, so make sure to ask about any and all discounts that you might be eligible for.

Raise your deductible

If you’re willing to pay a little more out-of-pocket in the event of an accident, you could lower your premium. That’s because you’re taking on more of the financial risk by doing so. Just make sure you have enough saved up to cover your deductible if you do end up in an accident!

Don’t ignore local insurers

Some people think that the bigger, national insurers are always the cheapest option. But that’s not always the case! Sometimes, local and regional insurers can be cheaper. They may not have the same name recognition, but they could save you a lot of money.

It’s always worth getting a quote from a local insurer to see how their rates compare.


There’s no one-size-fits-all answer to the question of how to get cheaper car insurance. But by following the tips in this article, you can save a significant amount of money on your premiums! Just make sure you’re getting the coverage you need and you will never overpay for your car insurance again.

You might be also interested in taking a look at You can find a lot of useful car insurance information there.

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