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Let’s face it car insurance is a fact of life for most of us, especially if we are going to operate a motor vehicle in this country. The cost of auto insurance must be considered as much a necessity as is the expense of maintaining your vehicle. Keeping your car in a safe and reliable operating condition protects you from unforeseen events. Insuring your car also protects you and you passengers from the unknown. There may be some who believe that purchasing ample insurance is a waste of money, when in fact, it is truly a wise investment. Protecting your assets from legal and financial liabilities is certainly among the top reasons for being properly insured. Automobile accidents can cause extreme financial hardships on the uninsured or underinsured, therefore protecting yourself with sufficient insurance can actually save you from a financial disaster. If you are in involved in an accident with significant property damage or serious bodily injury, you may risk serious legal and financial consequences. Having the right insurance can give you the peace of mind that you and your family are protected from legal judgments and financial hardships. The purchasing of auto insurance need not be a complicated and unpleasant task however; it has never been easier to obtain competitive quotes for rate comparisons that can save you money and your time which is also valuable.

Here are some ways to save on you auto insurance and still maintain a high level of security:


Decide what deductible you are comfortable with
Increasing the amount of your deductible or the amount you pay before the insurance kicks in is the quickest and easiest way to save on the premium you pay for you coverage. Raising your deductible means you will pay more out of pocket per incident, but puts money back in your pocket with lower 6 month or yearly premiums. If you consider yourself a low risk driver this may be right for you.

Shop around
The cost of insuring your vehicle may differ from company to company. Know your states minimum requirements. Try to get quotes from at least three carriers. See if you qualify for any discounts, the type and amounts of discounts offered by insures will vary.

Multi-car insurance discount
Insure more than one vehicle. Insuring all your families’ vehicles under one policy will save you money. Insurer like the fact that the higher number of vehicles they insure within a family reduces their administrative cost and also keeps you away from competitors. If you are a high risk driver getting insurance along with other family members can help get you the insurance you need.


Multi-policy Discounts
When you insure your car along with a homeowners, renters, condo or mobile home policy through your insurance agent, you could get a discount on your car insurance.


Consider what a new vehicle will cost in terms of insurance
Purchasing a luxury or high performance vehicle can be more expensive than insuring a small (but safe) lower-cost commuting car. Your present car may be cheaper to insure than a new car, talk to your insurance company to find out what the rate is to insure the different vehicles you're considering before making a purchase.

Accident-free car insurance discount
If you have at least 5 years of driving experience and have been free of chargeable accidents for the last 5 years you will qualify for a safe driver discount. The more moving violations a driver has the more likely they are to pay a higher premium for their insurance.


Good Student car insurance discount
Get up to a discount on your auto insurance when your teen earns a B average or above on their report card.


Long-term policyholder car insurance discount
Some insurers will offer discounts on your auto insurance if you are insured with them for at least 5 years.


Partnering organization discount
Ask about discounts if you are a member of a qualifying organization. Such as an educational or alumni association, many scientific and medical associations along with federal and military organizations may qualify you. Check with your agent to see if you belong to any affiliations that qualify and it may help to reduce your rates.


Anti-theft car insurance discount
Save when you install an anti-theft device in your vehicle. Savings vary based on the device installed and the state where you garage your vehicle

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Passive occupant restraint car insurance discount
Save when you insure a vehicle with full front-seat airbags or restraint devices that work automatically when your door closes.


Accident prevention or defensive driver car insurance discount
Save when you successfully complete a motor vehicle accident prevention course approved by your state’s Department of Motor Vehicles.