Car Insurance, Insurance Costs

1. Avoid tickets and accidents

A poor driving history can easily disqualify you from getting the cheapest car insurance. Insurers will check your record to see if you present a high level of risk. Speeding tickets, accidents, drunk driving citations – all can drive your insurance rates higher.

Drive sensibly and cautiously and you'll be on the way to cheap car insurance in no time.
2. Don't carry unnecessary insurance coverage

If you have an old beater, reduce your car insurance costs by dropping comprehensive and collision coverage. When should you make this move toward cheaper auto insurance? Many experts say it's time to drop these coverages when the actual cash value you’d receive for your vehicle doesn’t justify the insurance expense.

Also, don't pay extra for personal injury protection or medical payment insurance if your family already has a good health insurance plan.
3. Don't ignore your car insurance agent

Experts generally recommend you sit down with your agent annually to discuss any changes in your life that might impact your auto rates. For example, your insurer may offer cheaper car insurance if you've dropped your daily commute in favor of working from home.

Has your teen recently flown the nest and landed car-free at a university or college? If so, let your agent know that the teen does not drive your car for the majority of the year. Being proactive can help you nab these and other auto insurance discounts.