fbpx Skip to content

Tips for Securing Cheap Auto Insurance


Since auto insurance is essential for everyone who is on the road, minimizing the cost is a hot topic. Furthermore, with all the expenses of modern life, you don’t want to be paying through the nose for car insurance coverage. Luckily, there are many things you can do to secure and keep an inexpensive auto insurance policy. Here are our top 8 tips:

1. Buy Smart & Safe

Our first tip is something to think about before you buy your next vehicle. When car shopping, think about the cost of insuring that vehicle. More expensive cars will cost more to insure. Cars with more safety features will save you some money. Sports cars will cost more while minivans run you less. Older cars with parts that will be hard to replace can increase your rates. Of course, technological features on new cars can do the same. Think ahead.

2. Compare Quotes

Secondly, one of the best tips that people don’t think about is to use quote-generating websites that make you an informed consumer. Of course, there are a lot of insurance companies out there. In a competitive market, it is their job to win your business. Compare coverage, features, and prices. A good tip is even to leverage one quote against another. Find out what a company is willing to do for you.

3. Insure More, Pay Less

Another of our tips is to think outside the box when it comes to auto insurance. Sometimes, insurance companies will offer lower rates when you bundle home and auto insurance. Dependent on any other vehicles or properties you have to insure, you might be able to secure a good deal.  

4. Drive Less

Similarly, having a short commute can really pay off. If you have to travel long distances for work, consider carpooling, ridesharing, or public transportation. Since less driving means less risk of getting in an accident, insurance companies often offer low mileage discounts.

5. Drive Safely

This tip is pretty self-explanatory. The less points on your driving record, the lower your auto insurance premiums will be. The safer you are, the safer bet you will be for insurance companies. Safety is its own reward, but you can also benefit financially from going the speed limit and not tailgating.

6. Maintain Good Credit

This tip goes hand in hand with safe driving. If you are reliable and responsible in other areas of your life, insurance companies feel that you are less of a liability. Having a high credit score will often mean lower monthly auto insurance premiums.  

7. Increase Your Deductible

This choice can be risky, so you have to decide if this tip is right for you. If you are a safe driver who doesn’t drive much and has never made a claim, you might not anticipate having to do so. You can pay less per month in exchange for paying more in the event that something should happen and you do need to make a claim.

8. Explore Available Discounts

Finally, the last of our tips is one that applies to many areas of life: just ask. You never know what companies will do for you or what is available unless you ask. Once you do, you can find a bunch of discounts that insurance companies offer. For example, these might include good grades, alumni or work discounts, retired and/or senior drivers, and those who have taken certain driver’s education courses.

In conclusion, keep these tips in mind when comparing auto insurance quotes!

Auto Listings
Motorcycle Listings
Life Listings
Health Listings
Home Listings
Small Business Listings

1 Comment

  1. Ashley on May 13, 2019 at 7:10 am

    Hmm it looks like your blog ate my first comment (it was extremely long) so I guess I’ll just sum it up what I wrote and say,
    I’m thoroughly enjoying your blog. I too am an aspiring blog writer
    but I’m still new to the whole thing. Do you have any recommendations for newbie blog writers?
    I’d really appreciate it.

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.


Save on Car Insurance: Top 5 Ways to Secure a Cost-Effective Auto Policy

October 17, 2019

We are all trying to save more money, but sometimes there don’t seem to be any areas to cut back. One avenue to explore is ways to save on car…

Read More

All Risk Home Insurance Coverage: It’s a Risky Business to Go Without

October 15, 2019

We have all heard the horror stories about people not buying specific insurance coverage and then losing their homes to a tragedy. After an earthquake in California, our neighborhood chat…

Read More

Gap Coverage 101: What You Need to Know About Health Insurance

August 22, 2019

Mind the Gap There are several situations in life that cause people to either change their health insurance, end their health insurance, or have a gap in coverage. I recently…

Read More

Motorcycle Insurance 101: First Time Riders

August 13, 2019

The Cool Commuter When you think of motorcycles, a few things come to mind. Typically, they are thoughts related to the Sons of Anarchy. However, there are actually a lot…

Read More

Could a Hybrid be the Answer to Your Commuter Blues?

August 13, 2019

If you are a commuter that drives into work or school daily, then you may have noticed that there are more cars on the road than ever before. Big cities…

Read More

Small Business Insurance 101: Construction

August 3, 2019

Construction and Insurance Home improvement is a trend that looks like it is here to stay in the US. With shows like Fixer Upper and Love it or List it,…

Read More

Road Trip and Car Insurance: Being Prepared

July 20, 2019

Road Trip Preparation Summer vacation is something that we look forward to all year. Here at Insuravita, we know that nothing ruins vacations like an unexpected insurance mishap. One of…

Read More

Average Costs of Teen Drivers: Teenagers and Auto Insurance

June 5, 2019

It is stressful to be a teenager and stressful to raise a teenager. And everything changes at age sixteen. Suddenly, teenagers are learning to drive and there are so many…

Read More
Scroll To Top
%d bloggers like this: