How to Save on Auto Insurance

How to Save on Auto Insurance


November 23, 2023 | Allison Robertson

How to Save on Auto Insurance


How to Save on Auto Insurance

Work mistakes FactsShutterstock

Advertisement

Auto insurance is a necessary expense for every driver, but it doesn't have to break the bank. There are numerous ways to save on auto insurance without compromising on coverage.

In this article, we'll explore the top 10 ways to help you get the most bang for your buck, from securing your vehicle in a garage to using winter tires.

Discover how these simple steps can lead to significant savings on your auto insurance premiums.

1. Safe Driving: The Road to Lower Rates

Man Holding The Steering Wheel While DrivingTobi, Pexels

Advertisement

As most of us know, insurance companies reward safe drivers with lower rates. Maintaining a clean driving record, free of accidents and traffic violations, can save you hundreds of dollars annually.

2. Defensive Driving Courses: Knowledge Pays Off

Entitled peopleShutterstock

Advertisement

Completing a defensive driving course not only enhances your road safety skills but can also earn you a discount of up to 10% on your insurance premiums.

3. Bundle Your Policies: A Double Win

My Ex Lost ItShutterstock

Advertisement

Consolidating your auto and home insurance with the same provider often leads to substantial discounts. It's a win-win situation for both your coverage and your wallet.

4. Garage Parking: Protect and Save

BMW in garageArtur_Nyk, Shutterstock

Advertisement

Parking your vehicle in a garage reduces the risk of theft and damage, which insurance companies appreciate. It can translate into a discount of around 5% to 10%.

5. Usage-Based Insurance: Pay as You Drive

Trust Your Gut!Shutterstock

Advertisement

Opting for usage-based insurance programs that monitor your driving habits can result in personalized premiums based on your actual mileage and driving behavior. Potential savings can reach up to 30%.

6. Choose the Right Vehicle: Insurance-Friendly Picks

White Toyota MiraiShutterstock

Advertisement

Selecting a car with a high safety rating and low repair costs can lead to lower insurance rates. Safety features and anti-theft systems also make a difference.

7. Increase Deductibles: Balancing Act

Lawyer ridiculous reasonsShutterstock

Advertisement

Raising your deductible—the amount you pay out of pocket in the event of a claim—can lower your premiums. However, make sure you can comfortably cover the deductible in case of an accident.

8. Good Credit: Financial Responsibility

Credit Score on reportREDPIXEL, Adobe Stock

Advertisement

Maintaining a good credit score can significantly impact your insurance rates. Insurance companies often offer lower premiums to those with better credit.

9. Winter Tires: Traction and Savings

tires split imageColoures-Pic, Adobe Stock

Advertisement

Equipping your vehicle with winter tires not only enhances safety in cold climates but can also earn you a discount of up to 5% during the winter months.

10. Shop Around: Comparison is Key

Young woman learning on a laptopArtem Podrez, Pexels

Advertisement

Don't settle for the first insurance quote you receive. Shop around, compare rates, and consider switching providers to access potential savings of up to 25%.

Final Thoughts: Drive Smart, Save Smart

Humiliation Stories factsShutterstock

Advertisement

Saving on auto insurance doesn't mean compromising on protection. By implementing these 10 strategies, you can secure affordable coverage while enjoying the peace of mind that comes with it. 

From safe driving habits to choosing the right vehicle, these hacks empower you to drive smart and save smart.


READ MORE

The Strangest Car Recalls In Automotive History

Most automotive recalls are about serious issues—brake failures, airbag defects, or steering malfunctions. But not all of them make sense. In fact, some are so bizarre, you'd think they were from a sitcom. Let’s take a strange journey through the weirdest, wildest car recalls in history.
July 22, 2025 Peter Kinney

Keanu Reeves’ Love For Motorcycles Bleeds Into His Car Picks

Unlike most celebrity car collectors, Keanu Reeves took his love of motorcycles to a whole new level—by building them himself.
July 22, 2025 Peter Kinney
Rolls-Royce

We Tracked Down The Biggest Classic Cars Ever Manufactured, And They're Huge

There was a time when cars were built for size and style. Some of these cars had hoods that stretched into next week, and trunks big enough to smuggle a small band.
July 21, 2025 Marlon Wright

Legendary Car Designers And Their Greatest Masterpieces

A curve here, a line there—and suddenly, a legend is born. These automotive visionaries didn’t follow trends but forged them by turning speed into sculpture. Beginning as sketches, their creations have become prized collectors’ treasures.
July 17, 2025 Peter Kinney
intro

The Most Dangerous Cars In America Today, According To Data

That perfect car might have an imperfect safety history. Some popular vehicles tell different stories when you examine real-world performance data. Even discontinued models reveal important patterns about automotive safety.
July 15, 2025 Miles Brucker
Charles Lindbergh FB

Incredible Historic Photographs That Show How Far Aviation Has Come

Flying used to be impossible. Then it wasn't. The camera was there to document several flight-related scenes, breakthroughs, and pioneers who refused to stay grounded. These moments live forever.
July 11, 2025 Alex Summers