How to Get Cheaper Auto Insurance Quotes

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Joel Ohman
Founder, CFP®

UPDATED: Jun 28, 2017

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Here's what you need to know...

  • There are plenty of factors that can affect your car insurance rates
  • See if any of those factors can convert into an auto insurance discount
  • Either way, after maintaining a clean driving record for three to five years with a new car insurance company, your rates begin to lower each year

As every responsible driver knows, car insurance is a necessary part of driving. Finding the right fit can be simple if all the information is made available.

If you are looking to compare car insurance and find the most affordable option, enter your ZIP code above!

Things to Do (or Not)

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There are a few ways to get lower car insurance rates that happen over time or small changes. Things from being married to getting older can help lower rates eventually.

Essentially, there are several things drivers can do to get low car insurance rates but some of the best rates come from things that happen naturally in life, such as:

  • Location: – it seems that location is a factor in nearly every big life decision. Car insurance rates in a larger city are usually higher than small towns in the country
  • Graduates: – a lot of insurers offer discounts for the alumni of certain universities. This is not always the case, but the best way to find out would be the check with the association of the school
  • A Wedding Gift – while not every company will offer this, most insurers will consider the marital status of a customer. Married people often get discounts since they are seen as a lower risk
  • Growing Up: – at the age of 21, drivers will see their rates lowered. Additionally, at 25, the rates will drop again. Cheaper insurance rates make those “transitional twenties” years a little bit easier
  • New Car – buying a new car is a great event on its own but upgrading to a car with higher safety ratings can bring bigger savings since most insurers take the condition of the car into account when insuring it. This usually means that the safer the car is, the lower the rate will be

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Cautious Drivers

Though it is not common to talk about, there are still quite a few drivers that make safety and rational though a priority on the road.

These responsible drivers have the most to gain when it comes to insurance. They get to enjoy lowered premiums and deductibles.

If a driver maintains a clean record for three to five years after beginning a policy with an insurer, they are considered a safe driver and could see their rates begin to lower annually.

Another benefit of being a safe driver is accident forgiveness. With accident forgiveness, if a driver gets into an accident after four years of safe driving, the insurer will overlook the accident.

The Accident Prone


They are the drivers that get overwhelmed in rush hour traffic. They are the ones that may not use their turn-signal enough and often forget to glance over at the speed limit sign on the highway.

They are the high-risk drivers and everyone has had an experience with one before. If you fall under this category, we have tips on how to get car insurance as a high-risk driver.

The ones that are offering insurance to careless drivers are offering it at a higher rate than they give to their responsible clients.

Here are a few helpful tips to help drivers with bad records find redemption on the road and savings in their rates:

  • Drive Less – while a driving record is damaged, a good option for some drivers would be simply to stop getting behind the wheel as much. Some insurers offer lowered rates for drivers with lower mileage
  • Multiple Policy Discount – most car insurers also offer insurance for home, other types of vehicles, or even health. By signing up to other policies, most companies offer a discount on the different types of insurance for multiple policyholders. Signing up for multiple policies could help save some money and make life more convenient
  • Keep the Car Safe – there are plenty of companies that will offer discounts for drivers with airbags, daytime running lamps (DRL), anti-lock brakes, and even an anti-theft device. It will not drop the rates too much but every little discount matters
  • Time Heals All – after three to five years of a traffic violation or accident, the insurer may not take it into account anymore. This lowers the rates of the insurance and it could also be a sign that the spots have come off the driver’s record

Finding a low rate for these drivers can be difficult. The thing about car insurers is that they like customers that do not take careless risks on the road.

In other words, even though driving 35 miles over the speed limit, running red lights and cutting off other drivers may look like a great idea in the movies, no one is lining up to offer insurance to the “fast and furious” drivers of the world.

Even the most careful driver needs to have car insurance because even though someone may go their entire life without causing an accident, they may not be able to avoid being involved in one.

With these tips, drivers can enjoy the peace of mind that comes with insurance while saving money.

Enter your ZIP code in our car insurance comparison tool and you will receive car insurance quote for FREE!

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