How To Save Money On Your Car Insurance

Everybody needs to have car insurance if they want to reliably get around, yet far too many people have little to no understanding of how to save money when purchasing such insurance. This is a shame, as far too many Americans could be saving hundreds of dollars by negotiating a better claim, living in a better area, or speaking with different providers if only they knew where to begin when it came to saving money on your car insurance. Rather than standing around and paying more than your fair share, it’s time to do your homework on how to properly pinch pennies.

Here’s how to save money on your car insurance, and why rates are so much steeper in certain places.

Your car insurance isn’t always in your hands

Far too often, the amount of money you’re paying for car insurance isn’t always in your hands. As a matter of fact, a number of things can greatly impact the rates you’re going to be paying; which state you live in, the quality of your local infrastructure, the make and model of your car, and your personal driving history are all taken into consideration when you’re eying potential insurance plans. Some of these facets of your lifestyle can be changed more readily than others, however; it’s possible to become a better driver, tough to suddenly move to a new state, and impossible to change your age, demonstrating that some car insurance factors are more malleable than others.

If you want to secure a lower rate, you should focus on what’s in your control. Thoroughly schooling yourself on some driving safety tips that most people think they have mastered (when in reality, few do) is a great way to start saving. Doing your research ahead of time on other factors can also explain why car insurance is so steep in some areas but very affordable in others, too, so don’t be afraid to do your homework when it comes to car insurance. Some states are ludicrously more expensive than others for a wide variety of reasons, for instance, so where you are could be impacting your rate.

If you know who pays the most for auto insurance, you’ll be aware that young men who are single are by far more likely to pay steeper rates than others. Other statistics present uncomfortable realities, too; drivers in the state of Michigan traditionally deal with higher car insurance rates than anyone else, for instance. If you’re thinking about long-term savings, consider getting insured in states where rates are substantially lower than others. Similarly, consider local infrastructure before making a major purchase like buying a home if you don’t want your long-term auto rates to be negatively impacted.

Getting married helps you save money

Getting married helps you save money, because insurers generally think that married couples are more responsible and forward-thinking than single drivers. Getting hitched just to save a couple of bucks on your car insurance isn’t an option for most people, though, so you should focus on more realistic means of negotiating a better rate.

Elsewhere, you can focus on buying certain makes and models of vehicles that are proven to get better insurance rates than others. Bigger vehicles like SUVs are praised by some as being “safe,” for instance, when in reality they have huge rollover rates and can be a nightmare for insurers. Knowing which cars have the best insurance around is one of the most effective means of making a long-term purchase with the future in mind that could save you hundreds or even thousands of dollars.

Shop carefully for a responsible vehicle with great insurance rates, be aware of your local infrastructure, and don’t remove discrimination from the equation when you’re paying an immensely steep rate. Before long, you’ll find that you’re saving money on car insurance by becoming a better driver who relies on safer vehicles.