How can I get cheap local auto insurance?

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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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...

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Reviewed byDaniel Walker
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UPDATED: Apr 27, 2020

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Here's what you need to know...

  • All drivers must have some form of auto insurance
  • There are many ways to reduce the cost of your monthly premium
  • Comparison shopping can help you find the best auto insurance plan for you and your family

To drive a car legally anywhere in the country, all drivers will need to have some form of auto insurance.

A good auto insurance policy will protect you in the event that you are injured in an accident, cover the cost of your car being stolen or vandalized, and pay for repairs or your car or someone else’s in the event that you are at fault in an accident.

While car insurance will be a recurring expense, there are several things that a person could do to save money on the cost of auto insurance.

One simple way is to enter your zip code into our FREE auto insurance comparison tool above!

Raise Deductible

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One of the most effective ways to reduce the cost of local car insurance would be to raise your deductible.  A deductible is the amount of money that you will have to pay out of pocket in the event that you file a claim.

In most situations, a typical deductible will be about $500. 

This means that if your car is damaged or stolen, and you need to file a claim, you will have to spend $500 before the insurance company pays for the repairs or replacement cost.

While $500 is a standard deductible with most policies, you will have the option of making the deductible whatever you want.

Simply raising the deductible even $500 more dollars could have a drastic impact on the amount of money that you have to spend each year on insurance premiums.

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Semi-Annual Payments

Another way to reduce the amount of money that you spend on car insurance premiums would be to select semi-annual premium payments.

When choosing a policy, you will have the choice of paying the premiums monthly, or semi-annually.

Since a semi-annual payment can be a fairly large expense, many people choose to select a monthly premium payment.

While this may reduce the effects of a significant semi-annual payment, auto insurance providers typically charge customers up to 10 percent more per year if they elect to have monthly payments.

Reduce Level of Coverage

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One of the most effective ways to reduce your car insurance payments with a local car insurance provider would be to reconsider the level of coverage that you need.

Most states only require that a driver carries collision coverage, which covers the driver in the event that they are at fault in an accident.

However, many drivers frequently choose to also get comprehensive coverage, which will cover them in the event that their car is stolen or vandalized.

If a driver’s car is not very valuable and they can afford to replace the car in the event that it is stolen, electing to cancel comprehensive coverage could be a good idea. Doing this could cut the cost of insurance premiums in half.

A driver should also consider the state’s minimums amount of coverage.  Most insurance providers will automatically provide a driver with a certain dollar amount of coverage.

However, this amount will typically exceed the state’s minimum requirements.

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Request Policy Recalculations

Another great way to save money off of the cost of insurance would be to request policy recalculations on a quarterly basis.

Auto insurance companies heavily factor in your driving record and accident history when they are determining what your insurance premium will be.

If you have a poor driving record, you may initially be given a very high insurance premium.

Over time, if you are able to stay accident and violation free, the level of risk that you pose to insurance companies will decline.

If you ask them to recalculate every quarter or so, you could end up receiving a lower premium rate based on the improvements in your recent driving history.

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Shop Around

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When looking to get an auto insurance policy for a local insurance provider, one of the most effective ways to get a lower policy is to shop around.

Try our FREE auto insurance comparison tool! All of the car insurance providers in the area will have slightly different underwriting method.

Because of this, one insurance provider may be willing to offer you a more affordable policy than another.

Also, when you receive multiple quotes, you will have the ability to use the quotes to negotiate down the premium offer from one of the insurers.

Compare quotes by entering your zip code into our FREE auto insurance comparison tool below!

References:

  1. http://money.cnn.com/magazines/moneymag/money101/lesson22/index3.htm
  2. http://www.wisebread.com/how-to-get-cheap-auto-insurance-for-young-drivers
  3. https://www.progressive.com/
  4. http://legalbeagle.com/4488554-clean-driving-record.html

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