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. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 11, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • Setting your deductible can play a large role in how much you pay in auto insurance premiums
  • Taking advantage of the many car insurance discounts available to you can put a big dent in your premiums
  • Higher deductibles might mean you pay more in the event of a car insurance claim
  • Changing the mileage you commute on a daily basis can save you cash on your auto insurance policy

The choices you make regarding your policy and driving habit will have huge implications.

Knowing what to pay when, who to include, or not include on your policy, and how to drive will all help to get you the cheapest auto insurance rates.

Compare online auto insurance rates by entering your ZIP code in the FREE quote tool above!

Get Your Deductible Right

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Setting your deductible can play a large role in how much you pay in auto insurance premiums.

The lower the deductible, the higher the rate will be. This will be something you need to put a bit of thought into as it may not comes into play right away.

Raising your deductible from something like $200 to $500 can save you a pretty penny.

Change your collision deductibles while you’re at it.

Shelling out $1000 from your own pocket can save your almost 40 percent on your auto insurance premiums.

Save that money for the first year to help cover those higher deductibles.

Higher deductibles might mean you pay more in the event of a car insurance claim.

The money your save in the long run will more than easily make up for having to shell out some cash.

Remember, most people may file a claim once every five years. How much money would you have saved in this time?

Free Auto Insurance Comparison

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

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Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Brag About Your Public Transportation Use

Changing the mileage you commute on a daily basis can save you cash on your auto insurance policy.

Auto insurance rates are also based on the average yearly miles put on by drivers.

If you drive less than 12,000 miles a year you just might be eligible for some drastically lower rates.

Choose Wisely

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Choosing your car has a lot more than just avoiding a sports car. You will need to consider a few more factors than candy apple red or midnight black on your new sedan.

Spend some time with the Internet and you will find that auto insurance rates are based off other factors from just the number of doors and how much gas that engine can consume.

Auto insurance rates vary drastically based on the safety features, theft rates, and protection devices that are provided on your sleek chariot of go.

Be sure you look at these factors when you are in the market for a new vehicle.

After looking at these factors, consider who is going to be driving your car.

Compare online auto insurance quotes by entering your ZIP code below!

References:

  1. https://www.statefarm.com/insurance/auto/resources/what-affects-car-insurance-price
  2. https://www.libertymutual.com/auto/car-insurance-coverage/collision-insurance
  3. https://www.allstate.com/tools-and-resources/car-insurance/ask-agent-premium-deductible-limit.aspx