Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jul 8, 2021

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Auto insurance is a necessity that you shouldn’t be without, but that doesn’t mean that you can’t get the lowest rates possible.

There are multiple ways to save on auto insurance: some are quick and easy, while others take more time and effort.

The first way is to put your ZIP code in the FREE box to compare multiple auto insurance rates now!

Make sure that you are not compromising your auto insurance coverage in order to save money. It won’t result in any savings if you are underinsured after an accident happens.

Easy Ways to Save on Auto Insurance

As with most things in life, the quickest, easiest way generally nets the least amount of return or satisfaction. While the savings from fast and easy ways to save on auto insurance likely won’t be funding a trip to Hawaii, they will save you money in the long run, and every little bit counts!

First, know what insurance coverage you need. You’ll really just be wasting money if you purchase more insurance than you need.

Educate yourself on the ins and outs of auto insurance by going to sites such as the National Association of Insurance Commissioner’s Insure U website. This site explains the different types of auto insurance available, what you will need, and tips and tricks.

One example of savings that could be realized is on older vehicles. Most do not need to carry collision insurance, as the repairs will likely be more than what the vehicle is worth.

If your vehicle is worth $1,800, and your deductible is $2,000, then you are throwing money away when you pay for collision insurance.

Next, shop around for insurance.

Competition between companies for your business will result in lower car insurance rates.

Don’t be shy in mentioning the lower rate that the company down the street quoted you and see if the next company will match it or beat it.

Another way to quickly save money on auto insurance is by adjusting your policy. For instance, raising your deductibles will lower your premiums. Another option is to find additional deductions to add to your policy.

You can get deductions on your car insurance if you are going to college, have gotten married, or have installed an anti-theft device on your vehicle.

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More Involved Ways to Save on Auto Insurance

The following ways to save on auto insurance take more time and effort, but they pay off big time. Most of these are about changing your behavior to show that you are a responsible driver who poses a low risk for an insurance company.

First, work on your driving record. Most minor offenses such as speeding tickets or moving violations stay on your record for three to five years. Bigger violations such as DUIs stay for much longer.

While you can’t change your past offenses, you can turn over a new leaf with a commitment to better, safer driving.

Tips for safe driving include not speeding, maintaining a safe distance between vehicles at all times, and following all laws and rules of the road. If you have multiple violations that will significantly raise your premiums, consider taking a driving course that will remove points from your license.

Another long-term item to work on is your credit history. According to the Insurance Information Institute, statistics have shown a connection between an individual’s credit history and their risk to an insurance company.

In short, those with a poor credit history are more likely to file a claim on their car insurance policy.

So to offset the perceived risk, auto insurance companies charge higher premiums to individuals with bad credit histories. Improving your credit will take awhile, but you will no longer be charged higher rates due to those poor credit card decisions from college anymore!

There will also be the added bonus of having good credit.

Yet another way to save on auto insurance is to choose a safe vehicle.

While getting a completely new vehicle just to save some money on car insurance might not be in the cards at the moment, you should know what to look for when you are in the market for a new vehicle.

For instance, sports cars, trucks, and SUVs have higher insurance premiums than sedans, minivans, and crossovers. You will also want to check the safety ratings of a vehicle; those with high safety ratings will have lower insurance premiums due to the lower risk of injury and high insurance claims.

Things That Do Not Help You Save

Of course, all of those savings can go to your head, and you want to make sure that you don’t overdo it. For instance, you wouldn’t want to raise your deductibles so high that you wouldn’t be able to cover out-of-pocket costs.

You also wouldn’t want those defensive driving courses convincing you that you are such a good driver that you don’t need insurance.

Carrying some sort of auto insurance is required by law in every state, district, and territory of the U.S. Failing to carry car insurance could result in tickets, fines, loss of your vehicle’s registration, and a great deal of litigation if you cause a crash.

You must always carry auto insurance, so find the best car insurance rates right now by entering your ZIP in the FREE box!

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