How do I save on the car insurance that I already have?

Luke

Great question.

Let me keep this simple and quick. There are so many ways to save on car insurance that you wouldn’t believe, but the easiest ways are the following three.

1. Jack up your deductible. Getting a low deductible brings higher car insurance premiums, and considering that you will rarely use that deductible, it just doesn’t make sense to be paying so much over time to pay a smaller price one time. Instead, keep out of your car insurance claims office when it comes to fender benders and save it for the serious stuff. Raise your deductible and make sure you have money set aside to pay for it should you ever have to make a claim.
2. Get rid of what you don’t need. A lot of people end up paying too much on their car insurance premium because they have coverage that just isn’t necessary. You can save a lot of money by going down to just the state minimum on your car insurance and getting rid of things like collision and comprehensive. As a warning, though, only do this if your car isn’t big on value. If you have a car that is worth a lot, stick with the bigger amount of coverage.
3. Discounts! There is a plethora of discounts out there from everything ranging from your report card to your air bags, and depending on the company, in some cases you could save more than three fourths the amount of your premium. It’s worth looking into if you have the qualities typical of a responsible driver, considering that you could save so much.
4. Shop around. You could get a much cheaper price than you have right now just by getting a free online auto insurance quote and comparing the quotes from different companies to see who is best in price with the most value.

Cheers,

Fashun Guadarrama.