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The 3 Things I Did to Get Lower Car Insurance Rates

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Updated November 15th, 2020

One of the most common questions that I get asked by my visitors and friends alike is how I got my low cost auto insurance. For the past few years, I’ve been fortunate to pay rock bottom rates without sacrificing my coverage.

To get my low rates, I didn’t take advantage of anything that was not available to any other customer. Instead, Ilower followed the same advice that’s offered here at AutoInsureSavings. With just minimal effort, I’ve been able to save hundreds of dollars on my car insurance premium.

So what exactly did I do to get such low rates and save money on my car insurance?

To help you follow suit and start saving on your car insurance, I’ve outlined 3 steps that I took to reduce my auto insurance rates without too much effort.

1. Compare Rates and Change Providers

After opening my car insurance bill and seeing the astronomical rates that I was paying, I knew that it was time for a change. I came across a quote comparison tool much like the one available to you here at AutoInsureSavings. I entered my zip code and answered some questions about myself, my vehicle, and my driving history.

After answering the questions as accurately as possible, I was provided with quotes from various car insurance providers in my area.

Needless to say, I was shocked at how much I could save with another provider. It was clear that it was time to make the switch to another company. I followed up with the providers that offered the three lowest rates to see which company was offering the best policy for the money. In less than 45 minutes, I had made my decision as to which company would be my new auto insurance provider.

Every year since making the switch, I continue to compare rates in order to make sure that I’m paying the lowest rates available to me.

2. Downgraded My Car

The BMW I had was fun to drive and nice to look at, but it cost a small fortune to insure. If I wanted to cut back on my car insurance costs, I knew that I would have to get a different car.

So what made the BMW so expensive to insure? The reasons were pretty much the same as any other luxury car, be it a Mercedes, Audi, or Bentley, and can be summed up as follows:

  • High repair and replacement costs

  • Increased likelihood of theft

With that being said, I needed a reliable car that wasn’t nearly as expensive as my BMW, and that had easily replaceable parts. Furthermore, I needed a car that wouldn’t be targeted by every car thief in the city.

Other factors that I could have considered, but didn’t need to worry so much about were the style and color of the car. Obviously, a faster, sporty car would have cost me more, as would a car with a flashier color, such as red.

By selling my BMW, and buying a less flashy but just as reliable sedan, I was able to cut my insurance bill costs by a significant amount and add some extra money to my bank account.

3. Discounts, Discounts, and More Discounts

Although I had already cut my insurance bill in half, I wanted to save more. In order to get those savings, I needed to score some discounts from my new auto insurance provider.

smash ratesSo what did I do to land the discounts I needed to enjoy even greater savings?

The answer is simple – I picked up my phone and called.

Contrary to what you might believe, I didn’t have to spend hours on the phone with my auto insurance provider. I was to the point, and explained to them that I wanted cheap auto insurance without sacrificing coverage. I then asked what kind of discounts I had available to me.

Much to my surprise, there were quite a few available to me. Because I have an excellent driving history, I was able to score a good driver discount. That alone reduced my car insurance premium by nearly ten percent. I found out that my employer also qualified me for another discount.

The savings didn’t stop there, though. I found out that I could take a 5-hour defensive driving course for a further discount, and that my membership with AAA qualified me for further savings. Finally, by having my monthly payment automatically deducted from my checking account, I was able to save even more.

Had I still been in school, I could have qualified for a good student discount.

By taking those three simple steps, I was able to save on car insurance. Regardless of where you live in the United States, you can take the same steps that I did and start saving today. Simply enter your zip code into our advanced quote comparison tool to get started. Soon enough, you’ll be enjoying the same savings that I am with my low cost auto insurance.

Shaun Fyffe

Shaun Fyffe

Shaun is an auto insurance expert with ten years of experience as a researcher and content writer. He's fluent in Spanish, teaching it plus AP computer science at Nyack Public Schools in New York. He has a B.A. in Spanish, B.S. in computer science from Florida State University, and an M.A. from SUNY New Paltz. He also is the lead editor for AutoInsureSavings.org.

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