Would you like to reduce expenses in your monthly budget? Cut your car insurance bill once, and the savings is repeated — automatically — month after month. Here are Six Simple & Practical Ways to Save Money on Car Insurance.
As a working mom, my time is spread pretty thin. There are several things I don’t love doing, but they have to be done anyway. And one of the major ones is shopping for car insurance. These are some of the tips I use to stay sane while doing this.
Determine Your Budget
Look over your monthly budget and determine how much you can afford to spend. Between different companies, deductibles, payment options, and coverage amounts, you should be able to find something in your budget. Between different companies, deductibles, payment options, and coverage amounts, you should be able to find something in your budget. Also, before selecting an insurance company, always compare loans without impact on credit score.
Decide on Coverages
In Virginia, in order to purchase license plates or decals, we must certify that the vehicle is covered by the minimum insurance requirements by a company authorized to conduct business in Virginia or pay an uninsured motor vehicle fee.
Virginia requires the following minimum coverage:
- Bodily injury/death of one person $25,000
- Bodily injury/death of two or more persons $50,000
- Property damage $20,000
Based on these minimum coverage requirements, I can get quotes, select an affordable payment plan, and choose a reasonable deductible.
Gather Your Info
I don’t know about you, but whenever I am facing an overwhelming project, I tend to put it off. Take my advice – set aside an hour and just do it. Your budget will thank you.
You might need to give permission to the insurance company to review your motor vehicle report and credit reports. When you start to shop around, you’ll need to share your information, which may include:
- Name and address.
- Date of birth.
- Type, year, make, and model of your vehicle.
- Primary type of use for your vehicle.
- Zip code where your vehicle is kept overnight.
- Ownership status of your vehicle.
- Marital status.
- License status.
- Social Security number.
- Highest level of education.
- Auto insurance history.
- Information about other drivers to be included on the policy.
Shop Online
When you are shopping for car insurance, I would suggest you start your research online. You might have quite a few questions and things you’re a little bit unsure of. Lucas Velez from Comparaencasa suggests you take the time to compare insurance to get the best possible deal.
The more you compare insurance policies, the better the deal you can find.
Get Multiple Quotes
When I was reviewing my monthly expenses, I requested online quotes with three other insurance companies. My current rate is better than all of them. I am not willing to drop the comprehensive coverage on my car, since deer seem to be attracted to cars I drive.
As an added bonus, I added renter’s insurance to my plan, which results in a discount that covers its cost. SCORE!
Don’t Procrastinate
These sorts of things can be highly intensive. The longer you drag something out, the more stressful it might be. So I would advise that you try to get your car insurance taken care of as quickly as you can.
Try to get everything done in one sitting and you will be thankful for it in the end. I would suggest you set aside an afternoon and dedicate it to finding the perfect insurance plan. Comparing and contrasting insurance can be mentally taxing, so try to take plenty of breaks.
While I don’t love the process of reviewing my car insurance, it has to be done. So, here’s a recap of the process: determine your budget, decide on coverages, gather your info, shop online, get multiple quotes, and don’t procrastinate.
By using these strategies, it makes the whole process little more bearable.
What tips do you have for saving money on car insurance?
These are some really great tips for anyone looking to save on auto insurance. I especially liked your last point, about procrastinating. I had never thought about just how important it is to get things done as fast as you can. I’ll have to see if, next time my policy needs to be adjusted, I can do it one sitting! Thanks so much for writing!
No procrastinating 🙂 I recently converted my wife to online shopping and comparing. Not only has it helped with insurance but also with buying anything, in general.
I agree that you should determine your budget. Doing so provides an effective way to decide on the best auto insurance plan. It allows you to decide which level of risk your willing to take when it comes to accident coverage.
This is very useful, Most car insurance quotes also offer details about coverage options that can help you manage the financial risks which are associated with driving near uninsured motorists. Examining these options can be useful because it can help you simplify the process of choosing uninsured motorist coverage that is easy to add to your auto insurance policy.
These are good tips. Car insurance can definitely get costly, so it’s important to find ways to stay within your budget. Taking all of your options into consideration before committing to one, single insurance company or plan. Nicely said. Thanks for sharing!
There are also discounts for driving a common car. Common/Popular cars that have low theft rates are low-risk for insurance companies, the benefit can be passed on to you if you own one.
Hi bundling together your insurances together is always a good idea always saves me money. The other one I always use is being a new customer every year so you get the new customer discount. Can’t understand why insurance companies don’t spend more time trying to look after there existing customers rather than giving discounted premiums to new customers who are only going to stay with them for a year ie me
We already had a kid, but I wanted my step daughter on my insurance. I originally approached him to get paperwork for a common law marriage, and my husband said if we were going to get paperwork, why not just get married. And 4 years after we got married, he made a big deal of proposing to me and giving me an engagement ring. It was good stuff.
We already had a kid, but I wanted my step daughter on my insurance. I originally approached him to get paperwork for a common law marriage, and my husband said if we were going to get paperwork, why not just get married. And 4 years after we got married, he made a big deal of proposing to me and giving me an engagement ring. It was good stuff.
I definitely agree with your tips to lower one’s premium. I know a couple of friends who thought they were getting a great deal but were really overpaying for their given conditions. Shopping around really pays off in getting the best rate. Thanks for the great article, 401k
Hello, Putting your personal trust in your Creator is one thing, but making that decision for your children may be irresponsible. The last thing you want if your Creator decides it’s time to call you home is for your loved ones to suffer even more live in poverty because that was HIS plan.annuities
We have disability insurance, and it really is one of those things that helps us sleep better at night. As you’ve pointed out, the odds of being disabled at some point are much higher than most people think they are. We feel much better knowing that we are protected in case something were to happen to either of us.insurance
Hello, I’m not a fan of insurance because I prefer to put my trust in Our Creator rather than corporations who do their best to overcharge and never payout even when they should. It is a decision each person must make for themselves.fegli option b
With all the online resources for learning programming/etc we have nowadays, a degree is pretty much completely unnecessary. And with how insanely inflated the cost of attending college is… yeah.fegli option b
With all the online resources for learning programming/etc we have nowadays, a degree is pretty much completely unnecessary. And with how insanely inflated the cost of attending college is… yeah.Homeowners insurance
Including other data in it I want to add the thing is anthracite and bituminous are the most USP in the current tradition of 2019 and 2020 in order to increase the revenue of the coal industry.
seguro dental
Insurance costs can really add up, but if readers take your advice they can save lots of money and make smart choices since in the insurance world there’s no such thing as one size fits all.helpful health insurance
What time should I come over? And can I bring some friends? Also, what’s in your fridge? Do you have wi-fi? How about cable?helpful health insurance
Yes. I did just that. I had a great job with a six figure salary. But I loathed it. So I quit just before the baby was born, knowing my husband’s insurance would cover the birth. My plan was to go back to school full time ( for a completely different career) when the baby was about 9 months. But about a month before I was to start, we discovered I was expecting twins… So, plans change. I still talk to my old coworkers who can’t help but tell me about the old office. I always think I’m so glad I’m not there. Money has been an adjustment, but that was expected. My only challenge now is figuring when I will actually be able to go back to school.state farm niles
I did just that. I had a great job with a six figure salary. But I loathed it. So I quit just before the baby was born, knowing my husband’s insurance would cover the birth. My plan was to go back to school full time ( for a completely different career) when the baby was about 9 months. But about a month before I was to start, we discovered I was expecting twins… So, plans change. I still talk to my old coworkers who can’t help but tell me about the old office. I always think I’m so glad I’m not there. Money has been an adjustment, but that was expected. My only challenge now is figuring when I will actually be able to go back to school.state farm niles
I think in general, as a contractor, you need insurance. It’s for the off chance that you get injured or some part of the structure gets ruined. There are a lot of things that can happen that you can’t plan for or predict, but you can have coverage for them.insurance companies
I would hire an insurance appraiser to check which sports car would be the best option based on my current income. Doing this will help me keep my finances in green while making use of it to pursue my car hobby at the same time.auto insurance
Hi,
Thanks for this post. I have a hard time finding good content related to this subject when searching most of the time.It’s always good to share and compare opinions when it comes to this kind of removal tool.Life Insurance Hub
Hello,
Thanks for every other magnificent article. Where else may just anyone get that type of information in such a perfect approach of writing? I’ve a presentation next week, and I’m on the search for such info.get insured online
Hello, I’m not a fan of insurance because I prefer to put my trust in Our Creator rather than corporations who do their best to overcharge and never payout even when they should. It is a decision each person must make for themselves. For more visit life insurance
After reading the post like me, any one’s opinion will be such that everyone should take the advantages of health insurance.su arıtma cihazı
You have shared a nice article here about the insurance. Your article is very informative and useful to know more about the benefits of health insurance. Thanks for sharing this article here.diseño páginas web
Thanks for every other magnificent article. Where else may just anyone get that type of information in such a perfect approach of writing? I’ve a presentation next week, and I’m on the search for such info.Insurance broker Spain
I really thank you for the valuable info on this great subject and look forward to more great posts. Thanks a lot for enjoying this beauty article with me. I am appreciating it very much! Looking forward to another great article. Good luck to the author! Medicare advisor nyc
I have gained little idea about health insurance which is unknown for me. After reading the post like me, any one’s opinion will be such that everyone should take the advantages of health insurance. cheap insurance
I really thank you for the valuable info on this great subject and look forward to more great posts. Thanks a lot for enjoying this beauty article with me. I am appreciating it very much! Looking forward to another great article. Good luck to the author!Georgia Truck Insurance
I really thank you for the valuable info on this great subject and look forward to more great posts. Thanks a lot for enjoying this beauty article with me. I am appreciating it very much! Looking forward to another great article.georgia truck insurance
I also was not comfortable with the holes in the Health Sharing Ministries plans. I have no problem covering tens of thousands of dollars a year for surgeries or tests or physician visits. insurance too expensive
These are great pics! We are looking in buying an Oliver and wondered what you tow yours with. Have you gotten very much use out of it? Any regrets? Any insight would be so helpful.Luxury car rental Orlandooc
I’m going to read this. I’ll be sure to come back. thanks for sharing. and also This article gives the light in which we can observe the reality. this is very nice one and gives indepth information. thanks for this nice article…Luxury car rental Orlando
Sometimes with visits your blog regularly and recommended it in my experience to read as well. The way of writing is excellent and also the content is top-notch. Thanks for that insight you provide the readers! Insurance Tips
They need to work long moves and it is espresso that keeps you moving. An excessive amount of caffeine isn’t useful for wellbeing and one must rest to reestablish their vitality level. Agitation can be the reason if numerous infections and we imparts that data to you.Celebrities
Where else may just anyone get that type of information in such a perfect approach of writing? I’ve a presentation next week, and I’m on the search for such info.Insurance
Hello, life insurance is necessary for everyone’s life and if we cannot do insurance we face many crises. We have to buy insurance. Life Insurance has many types. Every type has its own features. We have to decide which insurance is beneficial to us.
Your post is very helpful to get some effective tips to reduce weight properly. You have shared various nice photos of the same. I would like to thank you for sharing these tips. Surely I will try this at home. Keep updating more simple tips like this.car insurance
I was looking for this information quite a long time and find this article. It really helped me to solve my problems. Thanks for sharing!
If you are a current grant holder we may be able to link you up with an independent business advisor who can enable you to make great things happen through one–to-one and group support and mentoring.
Fabulous web journal! Do you have any tips and indications for trying authors? I’m wanting to begin my own particular site soon however I’m somewhat lost on everything. Would you propose beginning with a free stage like WordPress or go for a paid alternative? There are such a large number of alternatives out there that I’m totally overpowered .. Any proposals?Commercial Umbrella Insurance
Thank you so much for your continued encouragement and inspiration, Erin. For those of us still experiencing the rain, the reminder that the sun does eventually shine is so helpful.Texas Insurance Help & Guidance
I think Focusing on the database has become such a necessity today especially in today’s data-driven technology and internet with millions and billions data storage capacity into various storage points. It’s good to see this article start with a data set point.Howard Insurance Brokerage
Thank you for helping people get the information they need. Great stuff as usual. Keep up the great work!!! The Marketplace Insurance
I think Focusing on the database has become such a necessity today especially in today’s data-driven technology and internet with millions and billions data storage capacity into various storage points. It’s good to see this article start with a data set point.Freedom Insurance
Thank you so much for your continued encouragement and inspiration, Erin. For those of us still experiencing the rain, the reminder that the sun does eventually shine is so helpful.Asheville health insurance
The grace period is a very generous provision from life insurance companies. Make sure you understand the terms of the grace period for your policy, and always keep track of when the premium reminder should be coming.thanks for sharing.Car insurance
I can imagine is having the rug pulled out from under you while you are straddling a land mine. Fortunately the bomb didn’t go off and we escaped with just one cash-pay office visit. And then came the fun of slogging through the health exchange marketplace.auto insurance