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Six Simple & Practical Ways to Save Money on Car Insurance

This post may contain affiliate links. Read full disclosure.

by RAKI WRIGHT

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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.

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?

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.

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Filed Under: Finances Tagged With: Car

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Reader Interactions

Comments

  1. Paul Langley says

    at

    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!

    • Robert Truly says

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      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.

  2. Elden Gatley says

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    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.

  3. Carrick says

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    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.

  4. Morgan says

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    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!

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    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.

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    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

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Trackbacks

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Welcome! I'm Raki. I am a working mom of 2 (20-year old son and 13-year old daughter). I share tips to balance work, family, and make time for you. More...

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