How Savvy Motorists Can Keep Their Auto Insurance Rates Down

Auto insurance is a necessary evil when it comes to driving cars on public roads. America is a litigious nation. And, as such, the price of auto insurance has spiked in recent years. But don’t let those facts put you off driving your car down the freeway!


Today’s blog post will share with you some dynamite tips to help you keep your auto insurance rates as low as possible. By following these tips, you will lessen the burden on your wallet and enjoy getting behind the wheel again! Here is what you need to know:

Insure other people on your car

You know the routine when you want to get insurance quotes on your car. You get insurance quotes. You make a list of who offers you what. And then you go with the company that offers the best deal.

There is one secret that the insurance industry would rather you didn’t know about. And, that is, you can often get cheaper rates if you insure other people on your car too! Are you married or living with someone? Insure them on your car too, even if they don’t intend on driving it.

Let’s say you get a quote from somewhere like will always ask you who you want to insure on your car.

Spouses usually lower insurance rates because the risk of your car getting involved in an auto accident is lower. Sorry guys – gals are statistically less likely to have a crash!

Keep your driver’s license clean

As with most countries, we can get “points” on our driver’s licenses for bad driving behavior. That means if you get caught speeding, or carry out some other traffic violation, a red mark will get put against your name.

One of the classic ways to lower your auto insurance rates is to keep your driver’s license clean. Insurers will always ask (and can check) if you’ve committed any traffic violations.

Learn to be a better driver

It goes without saying that, the better your driving, the less likely you are of ending up smashing your car into another vehicle! It’s no secret that most, if not all drivers, pick up bad habits over the years.

It pays to learn how to be a better driver. You can do this by going on advanced or “defensive” driver’s courses. There is also another benefit to doing that. Many insurance companies will offer discounts if you pass certain courses!

Don’t stick with the same insurer

Auto insurance prices go up and down all the time. You need to dispel the myth that being a loyal customer will earn you cheaper insurance. That isn’t always the case! When your auto insurance is up for renewal, shop around for the best deals.

There are hundreds, if not thousands of insurance companies in each state. Make a shortlist of the best ones in your area and get some quotes from them. Doing that is a bit time-consuming. But it’s worth it if you save tens or even hundreds of dollars!

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