How to Find the Lowest Car Insurance Rates

Follow three tips to find the lowest car insurance rates. (1) Have a great driving record, (2) drive a safer vehicle, and (3) take advantage of discounts. Use the free tool below to find the lowest car insurance rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 25, 2020

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Here's what you need to know...

  • Safe driving is rewarded with discounted car insurance
  • Vehicles with additional safety features can also impact the cost of insurance
  • Milestones such as getting married or turning 25 can provide discounts

Saving money on car insurance is the goal of every motorist in the country. Paying too much for insurance is like throwing money down the drain each month. The good news is that it is quite easy to save money on your insurance policy.

All you need to do is follow these three simple tips.

We can help in your search for the lowest price for car insurance. Just enter your ZIP code in our comparison tool above!

Tip #1. Have a Great Driving Record

The best way to ensure the best rate on your next policy is to be a safe driver. Insurance companies will bend over backward to keep your business. This is because you will not be costing the insurance company money by filing claims for damages.

Insurance companies offer a variety of discounts to safe drivers who buy a policy. Some of the discounts you will be eligible for include:

  • No-Claims Discount
  • Lower Deductible
  • Forgiveness Of Your First Accident

These discounts can save you anywhere from 30-50 percent on your premium. Young drivers should take driver education courses as soon as possible. Learning how to be a safe driver is going to help you save money on your premium right away.

The good news for all drivers is that safe driving discounts are just the tip of the iceberg when it comes to potential savings.

Your potential for savings increases when you combine safe driving with an even safer car.

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Tip #2. Safer Vehicles Equal Even More Savings for the Driver

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Your car can have a very large impact on your insurance policy. Sports cars are generally charged higher rates because they tend to attract tickets. Many sports car drivers are tempted to drive in a riskier manner in these types of vehicles.

Older cars can cost you less if you are smart about what you add to your policy.

Liability insurance is something all drivers need to have. However, you could drop other parts of your policy such as comprehensive insurance. This can lower your insurance policy by $20 or more.

Teens should take advantage of this in an effort to lower their premiums.

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Newer cars can save drivers money on insurance as well. Having multiple safety features will make it less likely a driver gets into an accident.

Rear-view cameras, anti-lock brake systems, and cars that stop themselves make the road safer for everyone.

Some discounts related to your car include:

  • Anti-Lock Brake Discount
  • Anti-Theft Discount
  • Passive Restraint Discount

Passive restraint discounts are for drivers who have airbags in their cars. Certain types of seatbelts may also qualify as an extra restraint device.

Check with your insurance agent to see what safety discounts your car qualifies for.

Don’t forget to spend some time shopping around for the best policy. Comparing policies will maximize your savings potential by maximizing the number of discounts you are eligible for.

Tip #3. Life Events may Qualify You for a Discount

There may be ways you can use your personal life to save money on your car insurance policy.

  1. Good students can take advantage of their good grades to get a discount.
  2. Drivers in certain professions may be eligible to get discounts on their policy as well.
  3. Getting married usually provides a discount on car insurance.
  4. Having a child will certainly give you enough incentive to drive as safely as possible.

No parent wants to risk the life of their child while on the road. All insurance companies will recognize this fact.

Your next birthday can save you money on your next policy. Drivers who turn 25 generally see their first age-related reduction in premium.

Drivers who are between the ages of 45-65 generally see the lowest insurance premiums overall.

However, your age or marital status will mean nothing if you have a driving history full of accidents and tickets.

Saving money on your car insurance policy isn’t hard if you know what to look for.

Enter your ZIP code in our comparison tool below for FREE car insurance quotes.

References:

  1. https://www.iii.org/article/what-determines-price-my-auto-insurance-policy
  2. https://www.tescobank.com/insurance/carins/elh/no-claims-discount-explained.html
  3. https://www.naic.org/documents/consumer_alert_auto_tips.pdf
  4. https://www.iii.org/fact-statistic/auto-insurance
  5. https://www.edmunds.com/car-reviews/top-10/top-10-ways-to-lower-your-car-insurance-bill.html

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