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Five Effective Ways to Save on Your Car Insurance

Updated: Mar 20, 2020

How much you pay for auto insurance can vary by hundreds of dollars, depending on your coverage, where you live, what car you drive and your driving history. There are tons of discounts out there that you may not aware of, as it depends on each insurance carrier. Either way, here are the foolproof ways to save on your car insurance.





1. Drive safe.

Your driving record is the biggest factor determining your premium. Your traffic tickets and accidents have huge impact on your insurance. Most insurance carrier look at your driving record of the past 36 months. If you have a traffic ticket, consider taking a defensive driving class to dismiss or keep the ticket off your record. A little time spent in class can save you hundreds of dollars over the years.


2. Raise your deductible.

A deductible is the amount of money you pay for repairs before your insurance policy kicks in. You can lower your monthly premium by requesting a higher deductible. Even increasing your deductible from $500 to $1,000 could reduce your total cost by 10 to 30%. If your car is worth less than your deductible plus the amount you pay for annual coverage, consider removing Collision and Comprehensive coverage. These coverage never pay out more than the value of your car.


3. Maintain a good credit score.

Your credit score is also a factor for your insurance premium. Pay your bills on time and use credit responsibly. Examine your credit report for any mistakes and fight to fix them.


4. Establish a good insurance history.

Being insured for a long time without any break in coverage is also a factor that many are not aware. Do not cancel your car insurance just because you go on vacation or out of the country. If you are not going to drive for a period of time, maintain your insurance history by getting a non-owner policy. These policies provide coverage when you don't have a car and premium are significantly cheaper.


5. Let Superior take care of it for you

As we covered above, there are dozens of way to save on car insurance, and each carrier has their own list of discounts. Instead of having to do the research every 6 months, let our professional agents take care of it for you. We are the expert in our field and we know our carriers like the palm of our hand. We understand insurance is a big part of your everyday life so we do our best to make sure you are fully covered at an affordable price.


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