Your car insurance premium (the price you pay for the policy) depends on lots of factors. And different insurers work things out in their own way.

So it can be confusing to know what you can do to keep your costs down. Let us share our secrets with you.

Some companies spend a lot of money on commercials to convince you they offer the lowest car insurance rates. But no single insurer is the low-price leader for everyone. The car insurance company that’s cheapest for one person in one place might be the most expensive option for a driver in a different state.

The only way to ensure you’re getting the lowest rate possible is to compare car insurance rates.

Do an Annual Rate Check

If you’ve been with the same insurer a long time, it might be tough to beat its rates, especially if you haven’t had any claims lately. In fact, a 2019 survey by the Consumer Reports National Research Center found that only 10 percent of 19,000 subscribers who compared premiums found that they would save money by switching insurers.

It’s easy to compare multiple insur­­ers online, at sites such as Answer Financial,,, and NetQuote. You usually won’t get an immediate quote online, but you will get email messages from agents look­ing for your business. Consider forming a relationship with an independent agent, who will check rates for you at a range of carrier

Be accurate with your mileage

Don’t assume that the lower your mileage, the lower your prices will be. Often, the opposite is true. The trick is not under- or over-estimating your mileage. Check the clock and get the real figure.


It makes sense to reassess your finances from time to time — and that may include shopping around for car insurance rates. However, getting an online insurance quote may require you to be more familiar with your insurance coverage choices than you might think. Here’s a primer on the types of coverage included in a typical auto policy.

Protect yourself with collision insurance

What if you drive off the lot and are hit by another vehicle or object such as a shopping cart? Collision insurance  protects your car. That’s why lienholders require that you carry it: the car is still the asset of the lienholder, says Gusner.

Take An Advance Driving Course

Driving classes are offered by a variety of organizations, both public and private. If there are any types of driving classes available through your insurance agent, you may want to consider attending and completing them in order to find cheap car insurance through an existing insurer. If you are unaware of any classes being offered in your area ask your agent; they’ll be glad to help.

Be aware that if you take a class and fail, however, you may end up with an increased insurance rate instead.

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