How to Save BIG MONEY on Auto Insurance

How to Save BIG MONEY on Auto Insurance



Auto insurance is a necessary expense for every vehicle owner. I would rather park my car and walk than to drive without being covered by auto insurance. If you have a car or truck, motorcycle, or even an RV, you need insurance. It’s my goal today to help you save money on your auto insurance.

The costs can vary widely not only from company to company, but from person to person. Some of what you are paying depends on how you, the consumer, use your vehicle and live your life .

  • One of the best ways to lower your auto insurance rates is to RAISE your deductible. My advice when doing this is to first make sure you have the deductible amount already saved, so that should you get into an accident, you will have the cash to pay your deductible. Instead of setting your deductible at $250.00, save $1000.00 in a bank account, and raise that deductible to $1000.00. According to,  you can save anywhere from 5.4% in Florida, to up to 17.8% in Nevada simply by switching from a $250 deductible to a  $1000 deductible. Check the potential savings using their handy chart at the bottom of their page.

  • The fewer miles you drive each year, the lower your auto insurance rates may be. Your insurance rate may be cheaper on a “pleasure” car, that is, a car you don’t use to drive to and from work, or for any business travel, than on a car you drive daily. Make sure you let your insurance agent know what your intended use of your car will be.

  • If you are an older driver, and take an adult driver’s safety course, you may receive a discount. Even if you don’t, it’s a good idea to take the course. Ask your insurance agent if their company offers this discount.

  • Teen drivers who maintain at least a 3.0 GPA in high school may qualify for a lower rate than those who have a lower GPA, and those who take a driver’s safety course may qualify for a discount.

  • Bundling your auto insurance policy with your homeowner’s policy can save you a good chunk of change. Find out from your insurance agent just how much of a discount you would qualify for, and don’t be afraid to shop around if they don’t give you a great deal. Don’t let loyalty to one agent get in the way of saving money. This isn’t personal; it’s business, to both you and the agent.

  • Some insurance companies will give you an “advanced” or “early” quote discount, meaning if you get a quote BEFORE your current policy expires, you may receive a discount. You can save by as much as 10% at some companies, so it pays to shop early for insurance.

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  • Before your buy your next car, call your agent and find out what the difference in rates would be if you insure one car model versus a different car model. You may just be surprised at how varied the quotes can be.

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Related: 50 Money Saving Tips & Ideas You Can Start Using TODAY

  • Insurance companies offer discounts for things like anti-theft devices, anti-lock brakes, air bags, and so on, so if your agent doesn’t ask you about those safety items, make sure you let him or her know that your car has them.

  • Much like bundling auto insurance with home owner’s insurance, you may also get a break if you insure multiple vehicles with the same company. Ask your agent.

  • Keep your credit history clean, and your driving record clean. Both of these things can save you money on auto insurance. Like it or not, any negatives in your credit history can cause your insurance rates to be higher, because you may be considered a greater risk to the insurer.

  • Some insurance companies will give you an “occupational” discount. For instance, if you are a business manager, nurse, engineer, teacher or professor, fire fighter, police officer, scientist, CPA or pilot, you may qualify for a discount. Ask your agent if your insurance company offers occupational discounts for your profession.

  • You may qualify for a discount by being a member of certain associations, such as auto clubs, credit unions, alumni associations, and some professional organizations. Check with your agent to see if your organization qualifies you for a discount.

  • If you pay your insurance premium by automatic electronic funds transfer rather than mailing a check, or paying it manually online, you may qualify for a discount, and if you pay your premiums every six months or once per year, you may save over making monthly payments. It’s worth checking to see if your insurance company offers those discounts.

  • If you live in a city, and carpool to work, you will not only save wear and tear and gas money, but you will be putting less miles on your vehicle, which means a savings in insurance rates.

  • Is your car paid off? Then consider lowering your collision coverage. You may have more coverage than you need if the vehicle is older, and not worth as much as it once was.

  • Lastly, check to see if your auto insurance company offers electronic monitoring of your driving habits. You could save anywhere between $100 to $300 per year by simply allowing this to be installed in your vehicle.

There you go! A long list of things you can do in order to save money on your auto insurance. Not all of these things will be offered as discounts at all auto insurance companies, as discounts vary from company to company, but it’s worth a little time on the phone to see how many discounts your household can get.






You NEED These 50 Money Saving Tips & Ideas – Start Using Them TODAY!

You NEED These 50 Money Saving Tips & Ideas – Start Using Them TODAY!

50 Ways to Save Money




As you probably already know, I am all about saving money, often by spending less or passing up on even a great deal if it doesn’t fit my needs or goals at the time. It’s okay, there’s ALWAYS going to be another great deal on the horizon, and you usually won’t have to wait very long.

Passing up a great deal actually encourages you to reflect on whether or not you truly need that item, and gives you time to research whether it’s the best thing for the money, or if it’s something you liked, but could instead use something else that happens to be cheaper. Passing up that great deal gives you options!

Save Money by Utilizing These 50 Tips:


  1. Buy generic whenever possible, but if you do, only buy one of each item if you’ve never tried the generic version before. Don’t go whole hog, and then end up not liking it and being stuck with extra, because if you won’t use it, there is no savings. According to How Stuff Works, you can save 30% or more by buying generic versions of name brand products.

  2. Buy in bulk, but only if you’re sure you’re going to use the items. I wouldn’t buy more than maybe a 6 month supply of any one thing, because if you end up suddenly needing to move, you really don’t want 500 rolls of toilet paper, 600 bottles of ketchup, etc to have to move with you. This article on CBN calculated you may see an average savings up to 31% by buying certain items in bulk rather than as single pack items.

  3. Buy power strips with on/off switches, and plug all of your electronic devices into them. Turn off the switch when the electronic device is not in operation. This saves on the phantom energy draw. has the details.

  4. Only run full loads in your washing machine or dryer.

  5. Don’t run your dishwasher unless it is truly full.

  6. Drink water instead of soda or sugary drinks or juice.

  7. Eat at home as much as possible. When I was a kid, eating out was a TREAT, because we rarely were able to do it. These days, people eat out all of the time, and it no longer seems like a treat, but if you start eating at home every day, then when you DO occasionally go out to eat, it will again feel like a treat.

  8. Find coupons for oil changes, tires, brake work, muffler work, or other auto maintenance expenses before you actually make an appointment.

  9. Find out from your company’s HR department if being an employee there qualifies you for any discounts at retailers, on memberships, or on services.

  10. Get low-flow shower heads and water faucets. Most are made so well these days that you won’t notice a lack of water pressure, but the savings will add up over time.

  11. Go through your house with a fine-toothed comb, and get rid of things you no longer want or need, or which no longer works for your lifestyle. Sell as many items as you can, and donate, recycle, reuse, or trash what won’t sell. You not only save money, but you can also earn some, and will spend less time having to dust things, as well.

  12. Go to a local college which has a cosmetology program, and get your hair cut/styled by a student.

  13. Have a “meatless Monday”, and if you can, have a “meatless Thursday”, too. Meat is usually the most expensive part of a meal, so cutting it out at least twice per week will add up over the course of a month.

  14. Hit up the library for the latest books and videos. No need to spend money on buying more things to clutter up your house.

  15. I can’t say this one enough: GET RID OF CABLE OR SATELLITE. I spend less than $12 per month for Netflix, and I have an Amazon Fire TV and can get free shows on TubiTV.

  16. I recently read a good tip on One Good Thing by Jillee – pack a lunch even on the weekends. That way, if you’ve had a busy day catching up from the work week, you won’t be as tempted to go out for a bite to eat.

  17. If you are making a meal that has a lot of ingredients or has a lot of steps to it, make double or triple the amount so that you can freeze it for later. It will cut down not only on the expense, but also on the time it takes to prepare and cook the meal the next time.

  18. If you are paying PMI on your home, see if you have enough equity in it to drop the PMI, thus saving you money every single month.

  19. If you are planning to get rid of something, first take a couple of days to think about it. Is there some way you can repurpose or upcycle it? If not, then by all means, RDST it.

  20. If you are renting a storage unit somewhere, promise yourself to go to it once per week and get rid of a box of stuff. Just bring it home, go through it, and RDST it. One box, bag, or container per week won’t seem as daunting as trying to do it all in one weekend.

  21. If you are subscribed to a million different stores’ email list, unsubscribe to as many as you can. The less ads you receive in your email, the less likely you are to spend money online at those stores. You can use Unrollme in order to make it easier and quicker for yourself.

  22. If you can reuse your coffee grounds for another pot/cup, then by all means, do so. Even if you add another teaspoon or so of coffee on top of the used grounds to freshen them up a bit, that’s still a savings because you aren’t using the full amount on the new pot/cup.

  23. If you don’t like the idea of reusing coffee grounds, sprinkle them over your garden or flower beds to add extra nutrients to the ground. You can clean and dry out your egg shells, then break them into little pieces, or grind them up and sprinkle those over your garden, too.  Read the details here at Gardening Know How.

  24. If you cannot grow a garden, but know someone who does, see if you can trade your skills for some of their harvest. Maybe you love to do home canning. Offer to can their harvest in exchange for a percentage of the veggies/fruits, or if you sew well, trade your skills in sewing, and so on. Get creative in your thinking. They may even trade part of their harvest if you help in the garden.

  25. If you have a cell phone, and face it, most of us do, see if you can share your service with a friend or relative on a family plan, so that you can both save.

Related: How to Save BIG MONEY on Auto Insurance

  1. If you have a credit card with a yearly fee, get rid of it and get one without the fee.

  2. If you have the space for it, and don’t mind working outside in the heat, grow your own vegetables, and when you decide to plant a tree, make it a fruit tree. You’ll still get lovely shade, but it will produce food you can eat. Make sure you check to see if the tree you choose needs a cross-pollinator. You don’t want to buy a fruit tree only to find out it won’t bear fruit because you didn’t buy a second tree for cross-pollination.

  3. If you know you will have a yearly fee for something, divide the amount of the fee by 12, and save up 1/12 of that fee each month until you have the full amount. That way, it will be a breeze to pay that fee. Or, if you are paid weekly, divide by 52 and save that amount.

  4. If you see something expensive that you really, really want, make yourself wait a month before buying. Go ahead and give yourself permission now (if it’s in your budget!), but still wait a month. Chances are good that you suddenly find out that you no longer want it.

  5. If you smoke, cut it out. Yes, it’s going to be hard, but it will may well save your more than money; it may save your life.

  6. If you spring clean every year, don’t just clean the items. Look at each thoughtfully, and determine if you really need it or want it. Does it make you happy or serve a purpose? If not, RDST it.

  7. If you still have the old incandescent light bulbs, invest instead in some LED or CFL lights. If you don’t want to replace a perfectly good light bulb, then replace each one as they burn out. This is what I do.

  8. If you usually shop once a week, try shopping once every two weeks, and make a promise to yourself that if you miss anything on your list, you won’t go back to the store. Just figure out what you can substitute for it, or do without that item.

  9. In my master bathroom, I don’t flush the toilet if I’ve only evacuated my bladder. I am the only one using that toilet, so it doesn’t bother me to have yellow water in there. If it’s brown, I flush it down. Obviously, as a woman, I use tp when I pee, but not a lot, so you can use the toilet three or four times before flushing, and the tp breaks down a bit in between each time you use the bathroom. If you’re feeling really thrifty, think about using “family cloths”, like Beth at the blog Red and Honey.

  10. Instead of going out with friends, see if they’d be open to getting together at your home. You can even take turns hosting. Everyone brings a dish and maybe some board or card games, and you’ll spend very little money while still having an amazing time.

  11. Invest in smaller plates on which to put your meals. Studies have proven that our eyes will trick us into thinking we are eating more than we are if the plate is smaller. The food fills up the plate so we don’t see that empty space all around it like we do with larger plates. This tip is good for your body as well as your wallet. Obviously, don’t go back for seconds or thirds.

  12. Invest in some foaming hand soap bottles, then you can mix up your own soap with water, and make it last much, much longer.

  13. Line dry your clothing as often as possible.

  14. Look up your city’s official website, and see if there is a list of free activities you can do with friends or family. Many cities post a monthly event calendar.

  15. Make a list of errands you need to run, and keep a basket by your front door to store items you will need to take with you on your errands. Run all errands on the same day so you save gas and wear and tear on your vehicle. If you can combine errands with a neighbor, friend, or family member, that’s even better!

  16. Make your own homemade cleaning products whenever possible.

  17. Make your own personal hygiene products.

  18. Whenever possible, negotiate a lower price for anything, especially big ticket items.

  19. Pack a lunch from home instead of eating out at work. Why spend $10 or more per day when you can bring in a delicious meal from home?

  20. Paint your roof white or a light color, or if you are having your roof replaced, have light-colored shingles installed. White reflects the heat, and will save you money on your electric bill in the summer.

  21. Put a full bottle of water into your toilet tank. It will fool the toilet into thinking there is more water in there, thus saving you money on the water bill. Don’t use a brick, because over time, the water will cause the brick to break up, and bits of it can get into the plumbing.

  22. Reuse your plastic zippy bags by washing them, then turning them inside-out to dry. Don’t reuse bags meat has been inside, but most other things are fine. Don’t run them through the dishwasher, of course.

  23. Save up $1000, then up your auto insurance deductible to $1000. That will cut your premiums down considerably. Do the same with your home owner’s insurance (by whatever amount you can to get it discounted).

  24. Pay yourself first. Set up automatic deposits or transfers from your checking to your savings. If you’ve never done it before, then start off small and gradually build your way up to more and more so you don’t feel you miss it.

  25. Shop at thrift stores. I often find brand new clothing with tags still on them.
Most of these ideas are easy enough to incorporate into your everyday life, but if you find the list a tad bit overwhelming, focus on just five items at once, and then as you find they become routine after awhile, come back to the list and focus on another five items.

What are some ways you can think of to save money in your every day life? Please drop a comment below to share it with us!






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