How Can You Save Money on Car Insurance?

It’s one of the most frequently asked questions: How can you save money on car insurance?

Seriously, have you seen some of those rates? #HardPass
Everyone deserves to have auto insurance that’s affordable and provides the coverage they need. Period. Humble Eagle works every day to help connect individuals and families to an insurance plan that works best for them. Basically, Humble Eagle is the cheap auto insurance expert.

Here are some of Humble Eagle’s tips to make sure you get the best low-cost insurance available:

Drive a cheap car to insure 

Money-saving tip No. 1: It all starts with what you’re driving. If you happen to be in the market for a new vehicle, do yourself a favor and research what makes and models typically have cheap auto insurance rates. For example, smaller cars are usually more affordable than large SUVs. 

You should also keep in mind that used cars are usually cheaper to insure than brand new ones.

Practice Safe Driving

Your driving record plays a big part in the amount your auto insurance costs. Even if you don’t have a history of many claims, things like tickets, convictions of DUIs or being found at fault for an accident can all lead to higher insurance rates in the future.

If you have some rough patches in your driving history (no judgment, we get it), your best course of action is to get a quote from an insurer that works with all kinds of drivers, like Humble Eagle. Then, you can start working on building a better record by practicing safe driving.

Choose a Plan with a Higher Deductible

One way to get affordable car insurance is to opt for a higher deductible on your comprehensive and collision coverage. A deductible is the amount of money you need to pay out of pocket before your insurance kicks in. Usually, plans that have a higher deductible come with lower monthly premiums. So assuming that you would be able to pay any unexpected expenses like damage to your car, you may save money monthly this way. 

We recommend finding a healthy balance between your monthly premium and your deductibles. That way, you may be able to save a bit each month, but you’ll still be able to use your insurance when you need it.

Consider Dropping Some Forms of Coverage 

Each state has a minimum amount of insurance that a driver must carry before they can get on the road. It’s usually a required amount of liability insurance that covers the cost to repair another driver’s car if you cause an accident. However, many drivers carry supplemental insurance to cover expenses for their own injuries and vehicle. 

Many lenders will require that you carry comprehensive insurance while you’re paying off your vehicle. But if you own your car, you may opt to purchase the required liability insurance and your choice of the other available coverages. For example, you may get only the state minimum liability insurance and uninsured motorist coverage. Choosing only the coverage that you think you need can help you find a low cost auto insurance.

Shop Around for the Best Quote

The best strategy to getting cheap car insurance is to shop around for the best quote. It’s kind of like playing the field, but with insurance. You don’t want to commit to a policy until you’ve seen what’s out there. When you compare car insurance quotes, you’re more likely to find a policy and price that fits your needs. 

You can get a quick car insurance quote from Humble Eagle online now.