Hey y’all, it’s your girl back again with some tips on how to save money on car insurance. We all know that car insurance can be pricey and sometimes it feels like we’re paying way too much for something we may not even use, but unfortunately it’s something we need. That being said, there are some things we can do to make sure we’re getting the best deal possible.

Auto Insurance 101

Auto Insurance 101

First things first, let’s talk about what kind of coverage we need. There are a few different types of coverage to choose from, but the most common are liability, collision, and comprehensive. Liability covers damages to other people and their property if you’re at fault in an accident. Collision covers damages to your own car if you’re in an accident, while comprehensive covers damages to your car from something other than a collision (like theft or weather-related damage).

It’s important to understand what kind of coverage you need before you start shopping for insurance, because different types of coverage will affect the price of your policy differently.

Comparison Shopping

Comparison Shopping

Once you know what kind of coverage you need, the next step is to start shopping around. There are a lot of different insurance companies out there, and some will be more expensive than others.

One way to start your search is by using a comparison shopping website, like The Zebra or Car.co.uk. These websites will allow you to enter your information once and then compare quotes from multiple insurance companies side by side.

Make sure you’re comparing apples to apples when looking at quotes. For example, if one quote is significantly cheaper than another, make sure it’s not because the cheaper policy has lower coverage limits or a higher deductible.

Discounts

Discounts

Another way to save money on car insurance is by taking advantage of discounts. Many insurance companies offer discounts for things like:

  • Having a safe driving record
  • Having multiple cars on one policy
  • Being a good student
  • Having certain safety features on your car
  • Getting a quote online

Make sure you ask about any possible discounts when getting a quote, because sometimes they won’t be automatically applied.

Be Mindful of Your Driving Habits

Be Mindful of Your Driving Habits

This one may seem obvious, but it’s important to be mindful of your driving habits if you want to save money on car insurance. Insurance companies consider things like your driving record, age, and gender when setting your rates, but there are still things you can do to help keep your rates low. For example, make sure you’re driving safely and avoiding any accidents or tickets.

Raise Your Deductible

Raise Your Deductible

One last tip for saving money on car insurance is to raise your deductible. Your deductible is the amount you’re responsible for paying out of pocket before your insurance kicks in. The higher your deductible, the lower your monthly premium will be.

Before raising your deductible, make sure you’re comfortable with the amount you’re responsible for paying if you’re in an accident. You don’t want your deductible to be so high that you can’t afford to pay it if you need to.

Well y’all, those are my tips for saving money on car insurance. Remember to take your time shopping around, ask about possible discounts, drive safely, and consider raising your deductible to keep your rates low. Happy driving!