Owning, driving, and maintaining a car is expensive—let alone taking care of multiple cars. One of the most expensive aspects of owning a car is paying for car insurance. Insuring your car can be a heavy financial burden, so it’s worth taking the time to educate yourself on ways that you can get the lowest rates possible. Consider the following suggestions that can help you find the lowest premiums possible for your car insurance.

Always Shop Around

One way to get lower premiums on your car insurance is to shop around until you find a good deal. Ask several different insurance companies to give you a quote. A good rule of thumb is to compare at least three different insurance policies. Almost every insurance company will claim that they have the lowest rates, and they can be very persuasive. Shopping around will ensure you get the best deal possible.

While you’re shopping around, don’t be afraid to be direct and ask your insurance provider for discounts if you’re interested in them. You might be surprised with the number of discounts they’re willing to offer. If you do your homework and put in a little extra time, you could save hundreds of dollars every year on your car insurance.

Maintain Good Credit

Maintaining good credit is not just a smart financial practice; it can literally pay off by saving you money on your car insurance. According to Edmunds, people with good credit scores often get lower insurance rates. A good credit score can give you more negotiating power when asking your insurance provider to give you a lower premium, while a poor credit score will likely discourage your provider from giving you any flexibility. Although you still might be able to find a low premium on your car insurance with a low credit score, it will be much easier to find the rate you want if you maintain good credit.

Be a Responsible Driver

Being a responsible driver is an important life skill in general. A good society can only function with people willing to follow social codes and be responsible. You should practice responsible driving by limiting distractions and avoiding driving while drunk, drowsy, eating, and texting. According to Bruscato Law, distracted driving is the leading cause of car accidents in the United States. Insurance companies know that insuring distracted drivers is risky, so if you are a responsible driver, they’ll be more likely to offer you a lower premium on your car insurance.

Group Your Insurance Policies

If you group all your insurance policies—home/renters, auto, etc.—at one insurance company, you can earn a discount. Bundling your insurance policies can save you anywhere from 10 to 25 percent on your insurance premiums.

Although bundling your home and auto insurance policies can often give you a discount, it isn’t always the cheapest option. It’s important to shop around and compare several different policies before deciding to insure your home and car with the same insurer.

Buy a Safe Car

Not all cars are created equal, and neither are insurance premiums. According to AutoInsureSavings, if you buy a car with safety features like airbags, anti-lock brakes, electronic stability control, and automatic seat belts, insurance companies will see your efforts to be safe and see you as less of a risk, rewarding you with lower premiums.

Additionally, insurance companies often take your car’s year, make, and model into account when calculating your insurance rates, so if you’re looking into buying a car in the near future, it’s a smart idea to talk to your insurer and get a quote to see how much they will charge to insure it.

Reduce Coverage on Older Vehicles

If you own older vehicles, it is a good idea to consider dropping collision and comprehensive coverages for those vehicles. If your car is worth less than ten times the premium, paying for the maximum coverage will not be cost effective. You can find out the value of your car at your car dealership, bank, or look it up online. This will allow you to save money and cover all your vehicles in the most cost-effective way possible.

These are some of the most effective ways to lower premiums on your car insurance, but they are not the only strategies available. It’s a good idea to consult a professional when choosing an insurance plan for your car or cars, so that you can make a smart financial decision for you and your family.

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