Seven Ways to Get Discount Auto Insurance

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember...

  • Lowering your auto insurance rates can be done by using a few simple tricks
  • Knowing the factors that insurance companies use to determine rates is important
  • Find out the various car insurance discounts that you could qualify for to lower your premiums

Is your auto insurance too high? One thing you should know is that the car insurance business is very competitive, and you can take advantage of this competitive market to help you save some money.

In fact, out of all of your monthly bills, your personal insurance is one thing you might be able to lower simply by shopping around for better rates.

Typically, the easiest way to find a cheaper auto policy is to shop around for a company that offers discounts for things you already do to reduce your risks.

Most insurers offer discounts, but they do not all offer the same type or size of discounts. The trick is to find a company with plans and prices that are friendliest to your unique situation.

In some cases, you may just need to discuss your current insurance needs with your current agent or insurance company.

But often you need to take the time to compare rates from a handful of companies that offer auto policies in your town or city.

Simply enter your ZIP code into the FREE tool at the top of this page.

How do insurance companies decide how much to charge?


First, consider some of the things that all auto insurers consider when they decide how much to charge you for an auto policy:

  • Age, driving history, and location where the car gets parked at night
  • Type of car, safety features, and how the vehicle gets used
  • Payment history, payment method, and even credit scores

You may already know that young drivers tend to get charged more because they are considered riskier to cover.

In some cities, the cost of making auto repairs or the threat of theft is higher.

However, each insurer has their own way of calculating rates, so you just need to find the insurer who rewards you for the things you can control.

Understand that insurers love clients who will probably not make a lot of future claims or help them reduce their costs in other ways.

These companies offer discounts to attract people who they believe fit their profile of an ideal customer.


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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Car Insurance Discounts for Safe Cars and Drivers

Obviously, people who have a long and clean driving history should qualify for better rates.

But even if you are too young to have a long driving history or have had a couple of tickets there are things that you can do to convince insurers that you are not too risky to cover at a cheaper rate.

Safety discounts might include:

  • Young drivers may qualify for discounts for having good grades and taking an approved driver training class.
  • Adult drivers can take a driver safety class to qualify for a discount that might balance out any extra charges for having an accident or traffic ticket.
  • If you have the chance to get a new or used car, consider buying one of the safer cars to insure. Before you buy, compare auto insurance rates for different makes and models.
  • If your car does not already have them, consider installing additional security and safety features like anti-theft devices.
  • Some insurers also offer discounts for customers who purchase green cars. Insurers believe that eco-friendly cars show their drivers to be socially responsible.

Which cars are cheaper to insure? Some people assume that cheaper and older cars cost less to cover, but this is not always true.

Insurers consider the risk of theft, repair costs, and performance on safety tests.

Typically, mid-range vehicles are cheaper to insure than very cheap or very expensive ones.

Do you only use your car on weekends or is it shared with another family member? You may qualify for low-mileage discounts if you don’t use it for long daily commutes.

Additionally, some drivers may qualify for cheaper rates as occasional drivers.

Discounts for making the cost of doing business cheaper:

Consider some incentives that you may take advantage of just for making it easier and cheaper for auto insurance companies to do business with you:

  • Some insurers offer discounts for customers who have their bill automatically drafted out of their checking account each month. If you can pay quarterly, semi-annually, or annually, you might also save money in the long run.
  • Many insurers market both home and auto insurance, and they are likely to offer generous discounts to their customers who combine all of their personal insurance with one company. Taking advantage of multiple policy discounts will make it easier for you to manage coverage for your house and vehicles.

Compare Insurance Quotes for the Best Rates


As a typical consumer, you cannot be expected to know which local company will offer you the most generous discounts.

That is why it is important to compare quotes from multiple insurers that do business in your local area.

Some local independent agents have the ability to do this shopping for you, and that service can help you save time and money.

Otherwise, you can try using online car insurance quote systems that match consumers with insurers that are most likely to offer them the best rates.

It is not true that all insurers are exactly alike, and you can benefit from shopping around.

In fact, many experts tell people to shop around for auto and other personal insurance deals every twelve months or so.

Things change in the market, and they also change in people’s personal situation.

While it might not be possible to guess which changes could help you save money, it is simple to compare car insurance quotes.

Enter your ZIP code into the FREE tool located below to get started!



Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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