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On their own, cars are often an expense that plenty of people struggle to afford, even if you choose to buy a car online to save money. Adding insurance on top of that to protect that car on the road can break budgets and drain savings.
With that in mind, any savings that can be had are welcome by most people. Unfortunately, a lot of the advice out there focuses on things that don't help people who don't have the power to change vehicles or lifestyle.
Let's take a look at ways you can quickly and easily lower your car insurance premiums.
If you're looking for the absolute easiest way to save money on your car insurance, simply call your insurance company about bundling up. If you've got homeowners/renters insurance, a second vehicle, or life insurance, you can qualify for a bundle discount.
The actual amount will vary by provider, but if you have to have other types of insurance it's more than worth it to have it all on one bill and get a discount while you're at it.
Oftentimes asking is the best way to learn about new discounts or discounts you qualify for. Insurance companies aren't likely to just hand these out, so you need to be proactive in reaching out to them about it.
They'll sense you want to save money, which is a sign you might be looking to switch providers. Not many companies enjoy losing customers, so they'll work to keep you happy and with them.
Let them know about your driving habits, your car, your history, and you might uncover a couple of great discounts that will save you big money each year.
Some insurance companies offer discounts for drivers who allow tracking of their driving via an in-car device. This allows insurance companies to monitor how safe your driving is based on acceleration, braking, time of day you're most active, and mileage.
The discounts associated with this tracking can range anywhere from 10% to 30%.
If you drive an older car, make sure you're not paying more in insurance than a company is willing to pay for damages. If you're paying for collision coverage on an older car, it's likely you're in this same situation.
A lot of people believe that older cars carry lower insurance premiums, but that's often one of many car insurance myths.
Check Kelley Blue Book to get the current market value of your car and weigh if keeping collision coverage is right or if you should be saving that money in case you need to replace it in the near future. If you don't have your car completely paid off, your bank or lender may not allow this, so keep that in mind.
Ask your provider for a list of coverages you're currently paying for and see if there are any you may not need.
Alternatively, you can raise your deductible on certain coverages to lower your overall premium. The amount will vary, but you can knock off a huge amount from your monthly bill if you're willing to drive with the associated risks.
Make sure you understand all of those risks by talking with your insurance company before raising any deductibles.