UPDATED: Feb 29, 2012

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Written By: Marissa HayesReviewed By: Leslie KasperowiczUPDATED: Feb 29, 2012Fact Checked

Ways to Get Discount Car Insurance Rates

Insurance rates rise just about as fast as the price of gas, leaving many people searching for ways to save money on their car insurance. It may take some research and a few phone cars, but discount car insurance is available for many drivers. There are ways to cut costs on discount car insurance.

Helpful Tips

Pay a Higher Deductible

Paying a higher deductible on comprehensive/collision coverage on your car can reduce your annual premium by 10 to 15 percent. Make sure your financial situation allows for a higher deductible before opting to pay it.

Method of Payment

Many insurance companies give a discount for paying your premium in one lump sum rather than monthly. If your finances allow for it, consider paying an annual premium on your discount car insurance, or see if the insurance company offers a discount for electronic direct debit payment from your checking account.

Add Safety Features

Buying a new vehicle equipped with safety features such as an alarm, automatic seat belts, side air bags, anti-lock brakes or any other anti-theft devices can save you money on discount car insurance. You can also add safety features to a new used vehicle in good condition to save you money on insurance.

Maintain Good Credit

Having a good credit history can help you get discount car insurance as well as a lower premium. There have been studies that show a correlation between credit history and driving record. Persons with bad credit are considered less stable and a higher risk, while persons with good credit are considered the opposite.

Drive Safely

Driving safely and defensively within speed limits, as well as avoiding driving under the influence of alcohol or controlled substances, is your best bet at getting discount car insurance rates. Driving carefully not only saves you money on discount car insurance, it also saves lives.

Driver Education/Courses

Most companies offer discount car insurance for drivers who take defensive driving courses, as well as for full-time students who maintain a B average.

Drive Less

Having a longer driving record can result in lower premiums, but so can driving less. Car insurance companies consider you less likely to have an accident if you spend less time behind the wheel. You can get discount car insurance from some companies if you stay below a certain mileage each year.

Multi-Policy Discount

A lot of car insurance companies offer discounts when you insure multiple vehicles and/or switch over your other policies, such as your homeowners insurance, to their company.

Location, Location, Location

Where you live and more specifically where you park your car will influence how much of a premium you will pay. City dwellers may pay more for car insurance than their rural counterparts because of the higher risk of theft and increased traffic. If you live in the city, look into leasing garage space if you want to get a discount on  your insurance.

Now that you have some ideas for getting discount auto insurance, enter your zip code for some free, non-obligatory quotes that can be in your inbox in less than five minutes.

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