19 Proven Ways To Get Cheap Car Insurance And Save Big

19 Proven Ways To Get Cheap Car Insurance And Save Big

In an era of rising living costs, finding ways to trim expenses has become a priority for many. One area where substantial savings can be achieved is car insurance.

While popular comparison platforms like Compare the Market claim significant savings—up to £516 / $656 for 51% of customers—there’s no harm in exploring additional strategies to keep those premiums down.

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1. Choose Wisely: Opt for a Budget-Friendly Car

Before setting your heart on a flashy vehicle, consider the insurance implications. Smaller, more fuel-efficient cars in lower insurance groups often come with cheaper premiums compared to their high-performance counterparts. So, make sure to check the insurance group of a potential car before making a purchase.

2. Shop Around for the Best Deal

While it’s tempting to settle for basic third-party insurance, assuming it’s the cheapest option, don’t overlook comprehensive coverage. Compare prices for third-party, third-party fire and theft, and comprehensive insurance to make an informed decision about the most cost-effective option for your needs.

3. Cut Your Annual Mileage

Reducing your yearly mileage not only benefits the environment but can also lead to lower insurance premiums. Insurers factor in your annual mileage when calculating premiums, so be honest about your driving habits to secure accurate quotes.

4. Pay Upfront to Save

If your budget allows, consider paying your annual insurance premium in one go. While monthly payments may seem convenient, they often come with added interest, making the overall cost higher.

5. Adjust Your Excess

Opting for a higher voluntary excess can help lower your premium. However, ensure you can comfortably cover both voluntary and compulsory excess in case of a claim.

6. Customize Your Coverage Wisely

While additional coverage like courtesy car, windscreen, breakdown, and legal protection can be enticing, carefully evaluate whether you truly need them. Avoid paying for extras that might unnecessarily inflate your premium.

7. Think Twice About Modifications

While personalizing your vehicle is appealing, consider the potential impact on insurance costs. Certain modifications may increase the risk of theft, leading to higher premiums.

8. Optimal Parking Solutions

Where you park your car overnight can influence your premium. Choose a well-lit, secure spot close to your home, and if possible, park on your driveway or in a secure compound.

9. Enhance Security Measures

Installing an industry-approved alarm or immobilizer can potentially reduce your insurance costs. Before making any modifications, confirm with your insurer that your chosen security measures will lead to savings.

10. Embrace Telematics

Consider a black box policy or telematics insurance, which monitors your driving habits through a device in your car or a smartphone app. Demonstrating safe driving behavior could result in discounted premiums.

11. Pay-As-You-Go for Occasional Drivers

If you use your car infrequently, explore pay-as-you-go insurance policies. These flexible options adjust premiums based on the time or miles you drive.

12. Invest in Advanced Driving Courses

New drivers can potentially reduce their premiums by taking advanced driving courses like Pass Plus. Check with your insurer to see if completing such a course would lead to a discounted premium.

13. Add Experienced Drivers to Your Policy

If you’re a new driver, adding a more experienced driver to your policy might lower your premium. Ensure the person who uses the car the most is named as the main driver to avoid insurance fraud.

14. Consider Multi-Car Policies

For households with multiple cars, bundling them under a single policy may result in a discount. Evaluate the potential savings based on drivers’ experience, histories, and vehicle types.

15. Accumulate No-Claims Discounts

Building a no-claims discount over the years can significantly reduce your premiums. In some cases, it might be more cost-effective to cover minor repairs yourself rather than making a claim.

16. Maintain a Clean Driving Record

Avoiding penalty points on your license is crucial for securing lower insurance rates. Safe driving habits contribute to lower premiums, while violations can lead to increased costs.

17. Mind Your Job Description

Your occupation can impact insurance premiums, so choose your job title carefully. Some titles may result in a cheaper quote, but ensure they accurately reflect your role to avoid insurance fraud.

18. Purchase Add-Ons Separately

Explore the option of buying additional coverages like breakdown and legal protection as standalone policies. This approach might be more cost-effective than bundling them with your car insurance.

19. Steer Clear of Auto-Renewal

While auto-renewal may seem convenient, it’s essential to compare quotes annually. Regulations prevent insurers from quoting existing customers higher premiums, but a better deal may still be available elsewhere.

What Is The Cheapest Car Insurance Company

What Is The Cheapest Car Insurance Company

When it comes to finding the most budget-friendly car insurance, the national average may not tell the whole story.

While the average cost for a full coverage car insurance policy is $2,542 per year, and minimum coverage averages $740 per year, individual factors such as driving record, credit score, and the choice of coverage options play a crucial role in determining the final quote.

In the pursuit of the cheapest car insurance, it’s essential to consider various factors beyond just the price tag.

Exploring Regional Options

While larger insurance companies often dominate the market, exploring regional carriers with smaller market shares can be a game-changer in your quest for affordable coverage.

Companies like New England Guaranty, Union Mutual, EMC, Nodak, and American National are among the regional carriers that offer the cheapest average minimum and full coverage car insurance, according to Bankrate’s analysis.

Benefits of Regional Insurers

Opting for a regional insurer may offer added benefits, including a more personalized approach and a better understanding of your local market.

Local insurance agents living in your area may provide valuable insights, making them more attuned to your specific needs.

However, it’s crucial to assess the financial stability ratings of smaller companies issued by reputable agencies such as AM Best, S&P, or Moody’s to ensure reliability.

Top 5 Cheap Car Insurance Companies in 2024:

Our analysis doesn’t just focus on the cheapest rates; it also considers customer service, digital tools, and discount opportunities. The top 5 cheap car insurance companies for 2024, based on Bankrate’s comprehensive evaluation, include:

  1. Auto-Owners
  2. USAA
  3. Geico
  4. Amica
  5. State Farm

Factors Influencing Owerrimobilephone’s Picks:

To determine the best cheap insurers, Owerrimobilephone utilizes a meticulous methodology. Factors such as average annual minimum coverage premium, J.D. Power claims satisfaction rating, AM Best financial strength rating, and the overall Owerrimobilephone Score (considering customer satisfaction, policy options, and discounts) are taken into account. This ensures a balanced approach to affordability and quality.

How to Secure Cheap Car Insurance:

Beyond simply searching for the lowest premium, there are several strategies to secure cheap car insurance without compromising quality:

  1. Prioritize Your Needs: Identify your insurance priorities, whether it’s lower rates for poor credit scores, excellent customer service, or specific coverage options. Knowing your needs beforehand streamlines the quoting process.

  2. Research Thoroughly: Utilize resources like Owerrimobilephone’s list of cheapest providers to find companies offering competitive rates tailored to your specific situation.

  3. Compare Apples-to-Apples: When comparing quotes, ensure that you’re evaluating coverage options consistently. Unequal coverage limits and options can skew the comparison.

  4. Explore Discounts: Different insurance companies offer various discount opportunities. Conduct a thorough review to take advantage of all possible savings.

  5. Avoid Lapses in Coverage: Preventing lapses in coverage is crucial, as they can lead to increased premiums. Opt for automatic payments or pay the policy in full to maintain continuous coverage.

Harnessing Discounts for Maximum Savings

Car insurance discounts provide an effective way to reduce premiums. Whether you’re a young driver, affiliated with certain groups, in the military, maintain good driving habits, or bundle policies, there are various discount opportunities to explore.

Insights from Industry Experts

Financial experts, such as Chloe Moore, emphasize the importance of having adequate coverage beyond state minimums. Additionally, reconsidering the filing of small claims can prevent unnecessary premium increases.


In the quest for the cheapest car insurance, a comprehensive approach that considers individual factors, regional options, and the overall quality of service is essential.

Owerrimobilephone’s thorough analysis provides a roadmap for drivers to navigate the complex landscape of auto insurance, ensuring they find affordable coverage without compromising on protection.

Who Has The Cheapest Full Coverage Car Insurance?

Who Has The Cheapest Full Coverage Car Insurance

When it comes to finding the most budget-friendly full coverage car insurance, savvy consumers are often on the lookout for the best deals in the market.

In the competitive landscape of insurance providers, a few names stand out as leaders in offering affordable full coverage options.

Let’s delve into the details of these companies and gather some valuable insights.

State Farm: Affordable and Widely Accessible

Leading the pack in affordability, State Farm emerges as a top choice for most drivers. With a monthly rate of $125, State Farm provides a full coverage policy that is $40 below the national average.

As the largest car insurance company in the United States, State Farm’s widespread availability and reputation for reliable customer service make it a go-to option for many drivers.

Erie: Cost-Effective but Limited Reach

Erie Insurance offers some of the most cost-effective full coverage rates, with a monthly rate of $107. However, it’s essential to note that Erie is a regional insurance company available in only 12 states. Despite its limited reach, Erie has gained popularity for its affordability and excellent customer service.

USAA: Exclusive Savings for Military Members

For military members, veterans, and their families, USAA stands out as the most affordable option, offering full coverage at a competitive rate of $101 per month.

While USAA’s exclusivity may limit its accessibility, its consistent top-notch customer satisfaction ratings make it a noteworthy consideration for those who qualify.

Travelers: Customizable Coverage with Added Perks

Travelers Insurance provides an interesting option for drivers seeking additional coverage perks. With a monthly rate of $164, Travelers allows policyholders to personalize their policies, offering extras like gap coverage and accident forgiveness.

While not the cheapest, Travelers provides a tailored approach for those who require specific coverage options.

Is Full Coverage the Best Choice?

For many drivers, especially those with newer or financed cars, opting for full coverage is often the best choice.

Full coverage, though more expensive than minimum coverage, includes comprehensive and collision coverage along with higher liability limits.

This comprehensive protection proves valuable in various situations, from accidents to unforeseen events, offering peace of mind and potentially reducing out-of-pocket expenses.

Shopping Smart: Tips for Finding Affordable Full Coverage

  1. Compare Quotes: Shopping around is crucial. Different insurance companies may offer similar coverage at varying prices, making it essential to compare quotes from multiple providers.

  2. Adjust Coverage: Tailor your coverage to your needs. While full coverage is comprehensive, removing unnecessary add-ons and adjusting coverage limits can help you find a balance between protection and cost.

  3. Increase Deductibles: A higher deductible can lower your monthly rate. Be sure to choose a deductible that aligns with your financial capacity to cover potential out-of-pocket expenses.
  4. Qualify for Discounts: Many insurance providers offer discounts for safe driving, automatic payments, and other qualifying factors. Explore these options to further reduce your insurance costs.


In the quest for the cheapest full coverage car insurance, State Farm, Erie, and USAA emerge as standout options, each catering to different needs and preferences.

Understanding the nuances of coverage, comparing quotes, and exploring discounts are key strategies to ensure you find the most affordable and suitable full coverage insurance for your unique situation.


While comparison platforms offer significant savings, implementing these additional strategies can provide savvy drivers with extra opportunities to cut costs on their car insurance.

By combining prudent vehicle choices, smart financial decisions, and careful consideration of coverage needs, drivers can navigate the insurance landscape more efficiently, ensuring their pocketbooks stay a little heavier.

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