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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 14, 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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When funds are tight and the auto insurance is due again, have no fear, the Internet is here. The key to finding the cheapest auto insurance rates online is comparison shopping and locating discounts.

Ten great ways to save on an auto insurance policy follow.

Most insurance aggregate sites include a thorough listing of insurance agencies for every state. It means customers can trust shopping online is time well spent.

Focus instead on diminishing the costs of coverage. First, though, a little relevant information about insurance coverage.

Look to find some car insurance discounts.

Simply enter your ZIP code into the above comparison tool to find the cheapest auto insurance rates!

Buy Sufficient Coverage

While times are tough, insurance industry experts agree, it’s best not to skimp on auto insurance coverage. Buying minimum insurance may be necessary, but it could cost a lot in the long run.

If minimum is the only affordable option now, evaluate finances every few months to increase coverage when money is available.

Or, increase deductibles, the financial outlay to get benefits to pay.

Free Auto Insurance Comparison

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

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Understand Minimum, Liability and PIP Coverage

One run-in with an uninsured motorist and it can spell financial disaster. If medical insurance is not within reach, consider adding medical benefits resulting from auto accidents. It is usually nominal coverage, but $50,000 in coverage is better than $500,000 in debt and bankruptcy.

Some states require something called PIP coverage, which is Personal Injury Protection. It provides an added financial pad in case drivers or their passengers are harmed in an accident. It is also called no-fault coverage, and provides benefits toward medical bills, rehabilitation or physical therapy and even funeral expenses.

Ten Discounts Key to Cheap Online Deals

Imagine saving 10 to 20 percent on auto insurance without putting your family’s future at risk. Discounts are some of the best ways to lower the costs of compulsory coverage.

Here are the top 10 ways to save:

  1. Take Defensive or Safe Driving Classes
  2. Collect No Claims Discounts
  3. Sign up with a New Provider
  4. Bundle Insurance Policies
  5. Install Security Devices
  6. Comfortably Increase Deductibles
  7. Remove Collision on Older Cars
  8. Reduce Comprehensive Coverage
  9. Ask for Help
  10. Compare Quotes

Traffic Safety Classes

Reduce insurance rates for a few years by brushing up on safe driving techniques. For instance, in New York State, state-approved defensive driving courses may cut insurance rates by 10 percent and shed points from a driver’s license.

Some auto insurers alert prospective and current customers of safe driving and traffic safety classes that result in discounts. Concerned about the price of classes? They can run anywhere from $15 to $300 and up. Shop around for classes to maximize savings.

Claim Free Discounts

Drivers who manage to stay out of accidents for years at a time save heartily. Some companies drop the deductible for customers who have achieved such status. Other insurers forgive and forget and will not raise insurance rates when star drivers have a fender bender.

Try out a New Carrier

Fierce competition among insurance carriers means they use discounts to lure new customers. It’s an excellent opportunity for new customers to find excellent discounts.

The More, the Merrier

As the saying goes, the more insurance policies active with one carrier, the more they reward customers.

Insurance agencies are known to give a healthy 10 percent discount just for having multiple policies with the same carrier.

Security Devices Lower Insurance Costs

Get an alarm, a lo-jack, or an on-board security and monitoring system. It saves money too. Any device that deters thieves, or helps retrieves cars is one the insurance companies value. It saves them from paying out on a policy if the cops can retrieve a stolen car.

Increase Deductibles

If the costs of coverage are still pricey, consider increasing a $250 deductible to $500 or $1,000. If money is already an issue, then more than that might be too much.

For instance, if another driver sideswiped your car, making it unsafe to use, you would have to pay a $1,000 deductible for collision benefits to pay per accident. If it’s too much, consider a $500 deductible instead.

Remove Collision and Comprehensive

Beat the blues about driving an older car or a beater. Celebrate by dropping collision and comprehensive insurance.

Collision pays benefits if the body work from an accident is necessary to restore your car. Comprehensive benefits kick in for non-collision events, such as theft or flooding.

Find out how much it costs to replace your car. It’s a simple rule of thumb, which happens to be the magic number today — 10 percent. If the coverage is 10 percent of the cost of comprehensive and collision is more than the value of your car, drop both aspects of coverage.

Another way to consider this is to look at what if. If you make insurance premium payments of $500 for comprehensive and collision, have a wreck and then have to pay out another $1,000 to get the $1,200 car back after an accident, coverage starts looking silly.

Instead, many owners set the money that they do not pay for comprehensive and collision into a savings account. That way they have the money available if they need to replace the car.

On the opposite end of the argument, there are a few great reasons to consider keeping coverage. One, if you live under a canopy of old trees that like to crash down on cars, you might want to keep comprehensive coverage.

Or, if you personally get into a lot of accidents, it might be worth keeping. That’s where the decision gets personal. Remember, the insurance carrier charges for the deductible every time policyholders make a claim.

Ask for Help

Even people who have had insurance for years get confused. When comparing quotes for coverage, take the opportunity to evaluate the customer service skills and level of customer care from the agents and brokers who respond to your quote. Some agencies’ only push is to sell you services.

Agents and brokers prove their product knowledge to receive their professional licenses. They are not all good at explaining the significance to life of policy terms. Therefore, part of the quote comparison process needs to evaluate each agent’s or broker’s level of service, attentiveness, knowledge and communication skill.

When in doubt, ask questions about the coverage until you understand the answers.

While insurance professionals cannot choose your coverage for you, they can explain it so you understand it. The agents who contact you are licensed in your state and know your state’s compulsory coverage.

Compare Quotes

Once you have found out about the different areas of coverage and what your state requires, you are ready to compare quotes. It’s as simple as entering accurate information about the drivers and cars to be included on the policy. It’s a quick process online, and as soon as you hit Submit, your email box will overflow with agents contacting you.

Free Auto Insurance Comparison

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

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Did You Know?

  • Some carriers provide roadside assistance for a nominal fee compared to annual auto club memberships.
  • Reel in shopping discounts and travel tips from consumer-friendly insurers.

Buying insurance is a bummer. Turn it into a very rewarding contest. Challenge yourself to see how much money you can save. Trump these 10 savings tips and let us know how you did it.

Be sure to use our FREE comparison tool below to find the best rates now! Simply enter your ZIP code.

Free Auto Insurance Comparison

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

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