101 Ways to Save on Auto Insurance Rates Today!

Are You Frustrated With High Auto 
Insurance Rates?

Do your auto insurance rates go up year after year, even if you haven't had an accident or ticket?
Are your rates going up, but your car is getting older?

Paying high auto insurance rates making you MAD?


You my friend, are not alone.

Good News...


We have put together the Ultimate checklist to CRUSH your car insurance rates.


101 of the best and most effective ways to lower your auto insurance up to 50% or more.  


Many of these discounts don’t even require you to move from your current insurance company.

Insurance Brokers customer

Julia F.  Missouri

"VERY helpful! I was stressing out when it came to having to look for an insurance company. I messaged Lexie, told her my situation, and she got me a great deal. I gave her all of my information and within minutes she had me a quote (for free) and started my insurance! Lifted off so much stress, I couldn't be more thankful!"

Let's get started finding the simplest ways to lower auto insurance rates today.

  • 1
    Buy another car - Multiple vehicles – the saying of the more you buy the lower the cost also applies to insurance.  Insurance companies want as much business as possible and having more vehicles on one policy will give them an opportunity to spread the risk, especially if you or your family has a good driving record.
  • 2
    Stay clean – No, we don’t mean take a shower…keep your driving record clean from moving violation tickets.  A ticket, no matter how small, will impact your rates.  It’s not that the insurance carrier is raising your rates, its you’re losing discounts.  Clean drivers are graded in most state from 3 years up to 10 years on moving violations.  The more tickets the higher the rates.
  • 3
    Dispute claims – did a claim come up when your agent was running a driving history report.  Have the agent remove the claim, but you’ll need to provide a letter or experience from your current insurance company to show it wasn’t your fault or you were not even involved in an accident. 
  • 4
    Advance quote discount – many carriers will give a discount for setting the future effective or start date of an insurance policy 7 of more days in advance.  The reason is simply, if you’re a planner vs. a last-minute type of person you’re probably pay more attention to details, life safe driving and watching speed limits.  Also, chances are you have a current insurance policy which mean you don’t need coverage immediately.
  • 5
    Get a life – some companies may offer a reduced rate if you purchase life insurance in addition to the auto insurance.  Plus, as a family you probably need life insurance anyway.
  • 6
    Buy a Pup (personal umbrella liability) policy.  Add an umbrella liability policy and receive an additional discount on the auto policy.
  • 7
    Get higher prior liability limits – higher prior insurance liability limits will help you get lower auto insurance rates.  Insurance companies like people that previously carried higher coverage limits
  • 8
    Buy a boat policy - recreational toys are a great way to bundle and save
  • 9
    Turn 21 – break-point for first of many discounts ahead
  • 10
    Buy a motorcycle policy - same thing as buying a boat policy, the more the merrier

10 Ways to get lower auto insurance rates

10 Simple ways to lower your auto insurance premium today

We are always looking for ways to save money.  One of the largest expenses most people have every month is the car insurance policy.  It might not seem like there's much of an opportunity to reduce the cost of insurance, but you'd be surprised.  

  • 1
    Consider where you are going to live – your zip code is going to be a large factor on what rates you pay for car insurance.  Suburban dweller will generally pay 20% to 40% less than someone living in the city. 
  • 2
    Go for the one-year policy – locking in a one-year auto insurance policy vs. a 6-month policy could be a big benefit if you get a ticket or have an accident right after a renewal or starting a new policy.  Since you won’t lose any discounts until the next renewal you are better protected for rate increases until the policy renews again. 
  • 3
    Get in a group – companies with 20 or more employees can qualify for a group discount which range from 5% to 10%.  Plus, you can keep the discount even if you change the company you work for.
  • 4
    Don’t let your coverage lapse – if you have a lapse in coverage more than 30 days it’s going to be like you never had insurance before.  It’s required by law to carry insurance and even if you sold a vehicle and don’t plan on buying another for 30 or more days consider a non-owner policy.  This will show that you maintained insurance even when you didn’t have a car, and reports won’t show a gap in coverage.
  • 5
    Take a class -  did you get a ticket and thinking about just paying the fine?  That may seem like the simplest way to handle the situation but it’s going to be the most expensive for years to come.  Check with the courts to see if you can take a safety-driving class approved by the courts to wipe out the points.  You’ll still have a fine and class costs, but the points won’t be affecting your good driver discounts.
  • 6
    Domestic vs. Import – are you trying to decide between buying an American car such as a Ford, Chevy or Chrysler or considering an import like a Toyota, Nissan or Hyundai?  The initial cost to purchase may be similar but the repair or replace are going to be higher with import cars, which translates to higher insurance premiums.  If an import is total the resale value is generally higher, and parts may not be as readily available, both contribute to the cost of insurance.
  • 7
    Who should be listed first on a policy – when getting quotes you might want to consider whose name is listed first on the policy.  If your spouse has better credit or a job that qualifies for an occupation discount, list them first.  Some insurance companies allow you to switch back and forth to see which partner has a better insurance score and rate.
  • 8
    Remove young drivers – have your kids overstayed their insurance welcome and costing you hundreds or thousands more per year.  Young drivers regardless of driving record will boost all vehicle insurance premiums on the policy.  Tell your kids you love them but it’s time they get their own policies, provided they are 18+ which gives them the ability to legally sign for insurance.
  • 9
    Reduce your liability limits – if your financial situation is not the best or you don’t plan on winning the lotto anytime soon you might want to consider dropping your liability insurance limits to state minimums.  Liability is generally one the more expensive coverages on your insurance policy, but remember you’ll be responsible for any bodily injury above the state minimum.  States like California have liability down at 15/30.  Which basically means the policy would only pay someone you injured in a car accident up to $15,000 per person or $30,000 for multiple people (period).  Yes, it can lower your rates but keep in mind the financial risk you might be putting yourself in if you have a bad auto accident.
  • 10
    Buy a new Car – most carriers will provide a new car discount which will reduce over a two-year period.  Why?  Who takes better care of a car… a brand-new car owner or a used car buyer with a few miles and little bit if wear and tear showing.
Best family insurance for cars

Top 10 ways Families can lower auto insurance rates

  • 1
    Who’s the primary driver – having the youngest driver listed on the oldest or least valuable vehicle can make a nice difference in your insurance premium.  Don’t have junior listed as the primary driver of the Porsche.
  • 2
    Think about a utility vehicle – utility vehicles like puck-up trucks are lower to insured.  Also included is SUV’s, small cross over and mini vans.  Family vehicles are typically lower since the drivers are hauling family member and generally drive safer.  Not a lot of NASCAR races with mini vans and SUV’s.
  • 3
    Don’t be in a hurry to leave home – as we know, young drivers will pay a higher rate and even more if they buy their own policy with a single car.  Stay on your parent’s policy as long as possible.  Yes, it does cost more for other vehicles in the household, but the multi-vehicle and multipolicy discounts are HUGE. Find out what the cost would be if you and your vehicle are removed from your parent’s policy vs. having your own and offer to pay the difference.  You’ll quickly realize the benefits of staying connected to the family policy.
  • 4
    Keep on the parents policy – it’s general much cheaper to stay on your family’s auto insurance policy as long as possible, especially when you’re still under age 25.
  • 5
    Buy life insurance – some companies may offer a reduced rate if you purchase life insurance in addition to the auto insurance.  Plus, as a family you probably need life insurance anyway.
  • 6
    Good student discount – do you have a B average in high school or undergrad school?  You qualify for the good student discount but remember you may be required to show grads at each renewal.
  • 7
    Buy a home – this is a huge discount with most insurance companies.  They want that bundled package of auto and home insurance and are willing to give nice discounts to get both 
  • 8
    What are you driving – depending on the vehicle you insure can make a big difference between premiums.  Think Camry vs. Corvette just from a liability standpoint, not to mention the cost to repair or replace a more expensive or exotic vehicle.  Family style vehicles are going to be more affordable to insurance, just because of the nature of the vehicle.
  • 9
    Move to the suburbs – drivers living in a suburban community vs. a large metropolitan city will save a substantial amount of money.  Less crime which means less vehicle theft and vandalism, less crowded which reduces the chances of an accident.
  • 10
    Public service provider – teachers, nurses and doctors also qualify for lower insurance rates

15 most creative ways to lower auto insurance rates your agent won’t
tell you about...

Insurance agents can't find you lower auto insurance rates
  • 1
    Go for 12 months – lock in your rate for 12 months vs. 6 months.  If you have a claim it will most likely not show up on your renewal until later since you have longer policy period. 
  • 2
    Re-shop after claim – if you recently had a claim it might be a good idea to shop for a new company that doesn’t already know about the new claim.  If you check soon after a filed claim most carriers won’t see the filed claim within 2 weeks.  Otherwise your current insurance is most likely going to raise your premium.  Don't worry, the old company will still pay the claim.
  • 3
    Where do you work – the closer you work to home can make a big difference in the premiums charged.  Some companies will even ask what your work address is just, so they can determine how much to charge.  Make sure you let your agent know if you work close to home otherwise they'll just put you down for 12,000 - 15,000 miles a year.  That could save you 10% or more.
  • 4
    Park your car – if you plan to park your car in storage for an extended period of time remove all coverage except comprehensive.  This keeps you compliant with continuous insurance and if the vehicle is damage or stolen while in storage you’ll have coverage at a fraction of the cost.
  • 5
    Re-shop at renewal – Ask to have your policy re-shopped for lower rates at every renewal.  All it takes is a simple email and if you are working with an insurance broker they may be doing that automatically.
  • 6
    Ditch the insurance agent – if you have heard of an insurance broker you might want to listen up.  You’ve heard the saying to always get three quotes – sounds pretty time consuming, right.  Well, that’s what insurance brokers do every day, but in many cases with 10 or more insurance companies.  Submit your info one time and get multiple quotes – how easy and smart.
  • 7
    Shop online – most people have a bad habit of only contacting a local insurance agent, even though they will most likely never step foot in the office.  Break a bad habit that is most likely costing your hundreds if not thousands more per year by not shopping insurance rates online
  • 8
    Rethink all those safety features – Car are getting smarter and safer with lane departure, backup camera and sonar on bumpers to detect distance from objects.  But, at what cost?  In the past a simple rolling bumper accident might require a rubbing compound to rub out a scuff for $100 to $200.  Today, body shops maybe held liability if a senor was damage and you involved in an accident as a result.  They now must pull the bumper off just to check to make sure everything is still working properly and that couple hundred-dollar repair is now $2,000 and climbing.  This is a major reason auto insurance rates continue to climb higher, even as cars get safer.
  • 9
    Get higher prior liability limits – having high prior liability limits like 100/300 will get you lower auto insurance rates vs. having state minimums.  It shows a pattern of responsibility with being concerned about having better coverage's and insurance companies will reward you with lower rates.  It’s a big discount, no joke.
  • 10
    Length of prior insurance – have you been with the same insurance company for 5, 10 or 20 plus years?  This shows you are a stable and loyal potential customer and will be rewarded for that loyalty with lower new rates.  Many insurance companies will give lower auto insurance rates due to your prior history.
  • 11
    No gaps in coverage – have you started and stopped coverage over the past five years?  You’re missing out on the continuously insured discount.  Since insurance is required by law having gaps or periods with no insurance shows insurance companies you are inconsistent and potentially not a good long-term risk.  Remember even if you don’t have a vehicle you can buy a cheap non-owner policy in between periods of owning a vehicle and reports won’t show gaps in coverage.
  • 12
    Are you 50+ - you might be able to qualify for a mature driver discount.  Some companies like The Hartford have teamed up with AARP and active member enjoy additional savings on their auto and home insurance.
  • 13
    Buy a non-owner policy – did you get a DUI or DWI but don’t want to screw up your preferred insurance rates with your current insurance company?  Consider buying a separate non-owner policy for the period you are required to have an SR-22.  SR-22 are required by the state when you’ve had a major violation and the insurance company will report monthly whether your policy is active with the certificate or not.  There’s a pretty good chance your preferred insurance will not check your driving record and you’ll be able to continue with the lower rates.
  • 14
    Check you record – if accident or tickets are showing up on your record that are not yours, ask your agent for the reporting agency they use.  Most companies will use what is called a C.L.U.E. report Comprehensive Loss Underwriters Exchange.  Contact LexisNexis to dispute any claims that are not your and be prepared to show proof.  A letter of experience from your current or past insurance companies showing you did NOT have a loss during the dates they show will clear it up and help get you a lower rate.
  • 15
    Remove a duplicate claim(s) – in some cases a claim maybe reports twice for the same incident.  Make sure the dates are correct if you had an accident when the insurance agent verifies prior accidents.  You'll want to have a letter of experience, showing the exact number of incidents and dates.

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10 ways singles can get lower auto insurance rates

10 ways single people can get lower auto insurance rates

  • 1
    Work from home – can you prove your job requires little to no commuting?  You may qualify for a low mileage discount.  Mileage is huge in many states like California where few discounts are allowed.
  • 2
    Start renting – get a renter insurance policy even if you live with your parents.  The multi-policy discount on your car insurance can be higher than the cost of a renter’s policy.  We’ve had customers actually saved at a 2-1 ratio.  For every dollar they spent on renter’s insurance they saved $2 on their auto insurance.  Example $150 renters insurance policy saved $300 on auto.  
  • 3
    Move to a new state – people in Michigan are paying at least twice as much for car insurance vs. folks in Ohio. Every state has different insurance laws which influence what you pay as a single person.
  • 4
    Go green – hybrid vehicles cost less to insure, especially the fully electric models.  Some carriers have special rates for green vehicles.
  • 5
    Get an attorney – if you received a moving violation ticket, most states and counties allow you to dispute it in court.  We don’t mean spending thousands of dollars on lawyer and having a trail but find a traffic lawyer.  There are Attorneys focusing on traffic violations only.  Typically, you can find an attorney from as little as $50 - $100 and up, depending on the nature of the violation.  DUI/DWI can run in the thousands.  The cost of a lawyer to keep this off your record can easily save you hundreds if not thousands over the next 3 to 5 years in higher insurance premiums.
  • 6
    Turn 30 – best rates for single folks when you past the big 30.
  • 7
    Avoid the Turbo – today most cars are made in several different model or trim levels which could easily be from $20,000 to $40,000+ depending on what type of engine you chose.  Sporty models with turbo engines typically are more expensive to repair or replace, which means higher premiums.
  • 8
    Use your email – getting your bill send by email is more cost-efficient way for insurance companies to operate, which means they can provide lower cost insurance.
  • 9
    Stop smoking – there are a few companies that will give a discount for non-smokers.
  • 10
    Re-score your credit – ask the insurance company to re-score your insurance which includes credit.  Many people have improved their credit since the recession of 2007-08.  If you’ve had the same policy with the same carrier chances are they have never checked your credit again.  Credit is a big rating factor for insurance premiums.  You might be surprised how much your rate might be reduced.
10 easy to follow insurance method to lower auto rates

10 Ways to lower auto insurance rates
without changing companies

  • 1
    Buy property insurance – Multi-policy discount for have the same carrier for renters, condo, or homeowners can save anywhere from 10% to 30% on auto insurance.  In some states buying a renter’s insurance policy for $150 could save you up to $300 on the auto insurance, depending on your current premium.  It’s like if you give me $1.00 and I hand you back $2.00; is that a good deal or what.
  • 2
    Get your tickets fixed – did you get a speeding ticket and just paid it?  Wrong.  Find a local attorney that specializes in traffic violations.  They can help you get that moving violation change to a non-moving ticket like a loud muffler, or something like that.  Spending a few extra bucks on an attorney plus court costs can save you hundred per year for the next 5 years.
  • 3
    Add a vehicle – the more the better, especially if any drivers have tickets or accidents.  Most insurance companies will want to see no more than one incident (ticket or accident) per vehicle to be considered as a new customer with insurance underwriters.  Even if you keep your current policy the discount can cut your first vehicle insurance rate in half, when adding a second car.
  • 4
    Go paperless – when you agree to having your policy documents sent electronically that saves time and money for the insurance company and you.
  • 5
    Let "Big Brother" track you – Most auto insurance companies now offer a temporary tracking device to check your driving habits.  You simply plug it in under the dashboard and your done.  Generally, you keep the device plugged in for anywhere from 30 to 90 days and they will looks at three main areas of your driving: hard breaking, fast acceleration and time of day driving.  The first two are obvious what they are looking for, but the time of day is checking if you’re driving past midnight and how often.  Let’s be honest… nothing good is happening past 12:00 am.
  • 6
    Pay-in-full – I’m assuming you like to get your paycheck in full once or twice a month, well guess what, so do insurance company.  Paying monthly regardless if it’s electronically via credit card or checking EFT is more wheels turning and potential problem with credit card numbers getting re-issued and people forgetting to update.  You want to get paid-in-full so do insurance carriers.  So much so, that they are willing to give you a discount to “insure” they get the money sooner.  Ask if they carrier you’re getting quotes from offers a two pay, the same as cash, so you can break up the premium.
  • 7
    Adjust deductibles – not all vehicles need to have the same deductibles, especially if you have a young driver on the policy – which is typically going to have the largest impact on the policy premium.  Or, you may have a high value sports car that’s costing a lot more for collision coverage.  Consider a higher deductible for those vehicles.
  • 8
    Drop coverage's – if the car you own is worth less than your deductible you are paying for something you will never benefit from.  If you have an accident and the deductible is $1,000 and the vehicle is only worth $1,000 the insurance company will not pay you anything since your deductible has to be met first and anything left over would go to the insured.
  • 9
    Increase deductibles – You wouldn’t file a $100 claim or probably not even a $500 claim to why pay extra money for a low deductible.  Increase your deductible to the maximum you can afford out of pocket if your vehicle is wretched or stolen.
  • 10
    Take a class – taking a driving course can help give you additional discounts which is available for both teens and seniors.

Check Local Auto Insurance Rates

Has it been more than a year since you check your insurance rates?  You might be surprised at the new rates many insurance companies are now offering.

15 Simple Hacks to Lower Auto Insurance Rates

  • 1
    Turn 25 – next discount for getting older.  this is probably when you'll start to see rates really drop.  Starting at 19 and then again at age 21, but 25 is clearly a nice discount.  Want to save more...get married, add another vehicle, get renters insurance or buy a house.  
  • 2
    Turn 50 – mature discounts kick in.  Getting old sucks but at least your clean driving habits finally start to pay-off.   Most companies will apply this discount at renewal, but make a phone call and see if you can get a birthday gift on your birthday, with lower rates now.
  • 3
    Association discounts -  Think motor club or AARP.  Now that you've turned 50+ check out carriers like The Hartford that give an AARP discount, provided your a member.  Savings are in the 10% - 30% range depending on what state you are living
  • 4
    Watch your claims – prior insurance claims can add up quickly and shows a pattern of potential claims moving forward.  Don’t file small claims which will cost you more for the next 3 to 5 years.  Just because you have a $250 deductible doesn't mean you should be filling a $300 claim.  Save it for the big claims, when you really need it.
  • 5
    Auto pay –  if you are going to pay monthly make sure to have your account set up on auto pay.  Insurance companies like to know they are going to get their money automatically whether EFT or credit / debit.  Mailing bills and processing checks is time consuming and costly.  Plus, you can save a tree.
  • 6
    Use EFT checking account – paying with EFT or ACH checking account is less per month vs. using credit card by $1 to $3 per month.  Credit card companies charge 3% - 5% to process a payment vs. little to no cost for automatic check payment.
  • 7
    Pay-in-full – in most states the department of insurance will allow insurance carriers to offer a pay-in-full discount.   This can be a big discount of 10% to 20% and you might be able to break up the payment in to two payments
  • 8
    Move to a new state – depending on what state you live in can have a big impact in what your pay for auto insurance.  States with high levels of uninsured drivers or states with (PIP) personal insurance protection coverage (no-fault states) pay 50% to 100% more than non-PIP states.  It may not be an option as to where you live but if given the choice call for quotes in different states.
  • 9
    Buy a truck – utility style vehicle (think pickup truck) will pay a lower cost of insurance.
  • 10
    Use a brokerInsurance Brokers give you more insurance company options when shopping for affordable auto insurance rates.  Plus, you get the added benefit of not having to contact multiple companies for individual quotes, over and over.
  • 11
    Lower your liability limits – if you’re dead broke and living in your parent’s basement chances are you don’t need higher liability coverage limits.  Look at state minimum coverage as an option until your income and net-worth increase.
  • 12
    Medical payments – if you have health insurance and don’t transport people without health insurance you can look at dropping medical payments coverage or Med Pay.  It's not a big savings and we generally recommend the coverage, but if you're looking for ways to save.
  • 13
    Shop early – if you are considering buying auto insurance from another insurance carrier do it sooner rather than later.  Insurance companies will give a discount if your current policy doesn’t renew for at least 7 – 10 days.  This is a discount that will last as long as you keep the policy.  Generally around 10% savings.
  • 14
    Drive less – insurance companies will give you lower auto insurance rates if you drive fewer miles to work or just in general.  Ask about a tracking device to prove mileage for 60 to 90 days.
  • 15
    Retire – the pleasure use discount is lower than a work/school rate.  Make sure to notify your insurance agent or broker when you retire to start receiving the pleasure use rating.
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Simple but Brilliant Ways Savvy Insurance Buyers 
find lower Auto Insurance Rates

  • 1
    Work from home – If you work from home chances are you are putting vary few miles on your vehicle per year.  Ask for a low mileage discounts but remember you may need to show proof of annual miles like oil change receipts or maintenance work.
  • 2
    Work / School or Pleasure – you may be paying higher rates if you’re now retired and no longer need to drive to work.  Check the number of miles you drive one way to work and confirm with your agent / broker to make sure you're not being over charged for miles driven one way to work or school.
  • 3
    Use your credit card – This one ties in with pay-in-full, but you can still benefit using the right frequent flyer or points card.  Yes, you will have interest on your credit card,  Check to see how it compares to the BIG pay-in-full discount and don’t forget you’re getting extra points on the card...win-win.
  • 4
    Ditch the paper – agree to receive your policies documents via email vs. direct mail and save a tree and save a few bucks on your premium every month.  Paper is expense to print and send out in the mail.  Some insurance companies have gone 100% paperless.  Others are willing to give additional discounts of 3% to 5% if they don't have to mail documents.
  • 5
    Don’t drink and drive – DUI/DWI can make you uninsurable with most preferred insurance companies.  Even if they keep your policy enforce you’ll be moved to the high-risk pool with rates being 80% to 200% higher for up to 10 years.
  • 6
    Buy a Junker – do you have a new driver in the household?  The likelihood of a new driver having an accident compared to an experience driver is 10 x higher in the next 36 months.  Older vehicles may require liability coverage only will keep the premium down vs. a new higher value car.  Plus, you don’t have to worry about where you park an old Junker.
  • 7
    Give your V.I.N. # when getting quotes – a standard new car can range between $20,000 and $40,000 for the exact same model, depending on options and motor type.  When getting quotes make sure to provide your vehicle identification number so the insurance broker can give you an accurate quote based on your exact vehicle.  That way you won’t having any surprises if you decide to move forward with the quote.
  • 8
    Carpool – many insurance companies will give a discount if you regularly carpool with other drivers.  This saves wear and tear on your vehicle and will lower your annual miles drove per years…Discount!
  • 9
    Drop your insurance agent – what, drop my agent, but how am I going to buy insurance?  Go with an insurance broker and save time, money and energy.  Why call several captive agents (State Farm, Allstate, Farmers, etc.) only selling one company to get quotes?  Contact an insurance broker and get multiple quotes with one call.  Most brokers today, have online quote forms on their websites, so you can get quotes 24/7.  Get smart, get your quotes from an Insurance Broker.
  • 10
    Buy a new Car – most insurance carriers will provide a new car discount which will reduce over a two-year period.  Why?  Who takes better care of a car… a brand-new car owner or a used car buyer with a few miles and little bit if wear and tear showing?  Chances are you're parking that new car far from the crowd, at least for the first few months.

10 Crazy Simple and Fail-Proof ways to lower Car Insurance Rates

  • 1
    Think Safety – today cars practically drive themselves which means it reduces the human element of operator error.  Which is the most likely reason for auto accidents.  Safer vehicles can reduce your cost of liability insurance, especially with vehicle with auto braking features to avoid head-on-collisions.  Look at investing in vehicles with safety features and save a few bucks in the process.
  • 2
    Go to College – college educated individuals receive a discount just for having a 4-year degree or higher.  In California where very few discounts are allowed, this discount can equal 15% to 30% Savings.
  • 3
    Are you a first-responder – most carriers will give a discount for firemen and police officers. Even nurses and doctors can qualify
  • 4
    Park your car – do you keep your vehicle in storage for long periods of time?  Drop all coverage's except comprehensive coverage.  That way if the vehicle is damage or stolen you’ll still have coverage but at a fraction of a full coverage premium policy.  Don’t forget to reactivate liability and other coverage’s if you plan on taking the car out of storage.  Plus, you'll be able to show continuous insurance if this is your only vehicle.  You have to have prior insurance to get the best rates. 
  • 5
    Anti-theft devices – does your car have an active disabling device? Discount for protecting your vehicle from theft or potential vandalism.  Let you agent know about additional anti-theft devices.
  • 6
    Check rates before you buy – are you considering buy several different car models?  Not all insurance rates or the same for a four-door vehicles.   The cost to insure Ford Taurus vs. Audi A4 can be a difference of 20 – 40% in premium cost.
  • 7
    What age did you get licensed – did you get your license when you were 16 or 18?  Having 3 or more years driving experience will make a big difference if you’re still under 21.  A 19-year-old applying for insurance for the first time will pay the same premium as a 16-year-old since they have limited or no experience.  Get licensed as soon as possible, even if you don't plan on driving right away.
  • 8
    Buy an Antique or Classic car – buying a vintage vehicle is not only super cool but you can get insurance rates at a fraction of newer vehicles.  Plus, you can request a stated value based on the current value on the vehicle.  Most cars continually depreciate-in-value, but classic cars you can set the amount of coverage you want.  You’ll have to jump through a few more hopes like taking pictures to prove the condition and you might be limited to annual miles, but if you’re not a high mileage driver it might save you a lot of money.
  • 9
    What size is your motor – having a higher horse powered vehicle or a turbo charged car will cost more to insure.  Turbos and V8 vehicles are faster and cost more to repair or replace vs. a non-turbo 4 or 6-cylinder car.  Slower and safer is always cheaper to insure.
  • 10
    Diminishing Deductible – consider buying policy with a diminishing deductible which lowers your out of pocket cost if you’re involved in an accident.  You’ll pay a little bit more for those type of policies initially, but at every renewal your out of pocket deductible is reduced by $100 per year.  It's a long-term savings strategy vs. the above mentioned quick money saving methods.

Bonus Tips to Lower Insurance Rates

Lower Auto Insurance Rates... Bonus!!

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    Who owns the car – We all want to give our kids independence, but putting a vehicle in the name of a child might cost thousands more in insurance premiums.  Some carriers will not allow a vehicle that is not in the name of the primary insured (Mom and Dad) to be added to the policy.  Having a vehicle only in the name of the child forces them to get their own separate policy.  Now they would not be able to participate in the advantage of the multi-policy and multi-vehicle discounts.  Talk with your Insurance Brokers for best recommendations and which companies will be more flexible.

Congratulations!

You have now learned more ways to save on auto insurance then 90% of all insurance agents even know.  Call your agent or insurance broker and make sure you’re getting the

discounts for the lowest auto insurance rates.


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