UPDATED: Dec 13, 2011

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Written By: Marissa HayesReviewed By: Leslie KasperowiczUPDATED: Dec 13, 2011Fact Checked

cashFinding tricks to getting discount car insurance may seem like a myth when in fact it can be found and without very much effort. Getting discount car insurance quotes is the best way to start. There are, however, ways in which you can help drop those premiums and get discount car insurance rates. It’s true that auto insurance can be a costly burden, but it also happens to be necessary.

In fact, every state but New Hampshire requires at least mandatory liability coverage. So affordable or not, if you plan to drive legally you will need to get some type of insurance and hopefully discount auto insurance quotes will help you find your policy. In addition to making sure you take advantage of getting quotes so insurance policy providers can compete for your business, you should be aware of some things you can do to help lower your insurance premiums.

Tricks to Make Discount Auto Insurance a Reality

Aside from relying on those discount car insurance quotes to help you save money on your premiums, you can find other ways to save. Think of it as cutting coupons for your auto insurance in coverage in order to get discount car insurance rates.

Here are some examples:

  • Obviously if at all possible keep your driving record as clean as can be. This includes keeping a good insurance policy coverage record. If you have a gap in your coverage that left you with a lapse in auto insurance for more than 30 days, you are more likely to have higher premiums.


  • Take defensive drivers classes or if you are still in high school take driver’s ed. Teen drivers especially can cost their parents a great deal of money to be added on to a policy. To see discount car insurance rates while insuring a teen driver, make sure to take advantage of those courses which could lower rates. Adults too can benefit from defensive training courses. This is also a good idea for drivers over 50 if someone in your area offers courses geared towards driving for seniors.
  • Try not to finance a car. If you must, try to avoid getting a brand new car. The higher the price sticker the higher the insurance coverage. This is even more true for cars which are “upside down” meaning the value of the car is less than the loan amount. In cases like this, you may be required to add comprehensive insurance to your policy, which will result in higher rates instead of discount auto insurance.
  • Get a car or equip yours with safety features that help lower the premium rates. This could include air bags, antilock brakes or even an anti-theft system to help lower the risk of the vehicle being stolen.

Again, to make a wise choice and find those discount car insurance quotes, you just need to provide us with your zip code and the rates will be yours to compare. Start today and watch the prices drop when you get your discount car insurance rates.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Written by Marissa Hayes
Insurance Writer & Expert Marissa Hayes

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz