Simple Steps to Lower Auto Insurance Premiums

lease car

In most states, car insurance is a legal requirement. This means that drivers must pay car insurance premiums in order to legally drive their vehicle. Fortunately, drivers don’t have to pay whatever rate they are offered from their insurance company. In fact, drivers can take simple steps to lower their auto insurance premiums.

Easy Ways to Lower Your Insurance Premiums

Luckily for drivers, getting lower insurance premiums is simple and easy to do. In fact, it often requires little to no effort on their part. Below you will find several ways you can easily lower your auto insurance premiums.

Take a Driver Education Course

Younger drivers usually have the highest auto insurance rates. One way that young drivers, and other drivers with driving record issues, can lower their premiums is by taking a driver education course. The average driver’s education course costs about $100, but the savings you can achieve through this type of course can easily outweigh the cost.

Add Anti-theft and Safety Features to Your Vehicle

Another easy way to lower your insurance premiums is to add some valuable features to your car. Added anti-theft features include a car alarm, an On-Star subscription or any other anti-theft device. Safety features that can influence your car insurance premiums include anti-lock brakes, electronic seat belts and dual side air bags.

Shop Around and Compare Rates

Shopping around is also an easy way to get a lower insurance premium than you currently have. Different insurance companies offer different rates, benefits and discounts. By comparing auto insurance plans, you can easily find the policy with the best premium to meet your needs. This type of search and comparison can be done online. Free rates from are available and can be accessed from the comfort of your own home.

Avoid Purchasing Certain Types of Vehicles

Some vehicles cost more to insure. For example, sports cars have more expensive insurance premiums than minivans. To avoid being stuck with insurance premiums that drain your bank account, avoid buying a vehicle that will require high insurance premiums. To do so, it is crucial to check with your insurance agent before committing to buy a certain type of vehicle.

Bundle All Your Insurance

Another great way to reduce your insurance premiums is to bundle all your insurance policies with one insurance company. Doing this will not only help you get cheaper auto insurance policies, it will also earn you lower insurance premiums for other types of insurance as well.

Discuss Your Insurance Needs with Your Agent

Lastly, discussing your insurance needs with your agent may uncover discounts or benefits that you are not aware of. Simply asking your agent what benefits or discounts you are eligible for may lower your insurance premiums.

It is essential to remember that you don’t have to pay the rates you are provided by your insurance company. Doing your research, and shopping around will offer you simple ways to lower your insurance premiums.


Dennis Gilroy is an insurance agent who writes for various websites in his spare time. Making sure people have the best information to make good decisions is important to him.

Article written by

Ted Hosford is a business software consultant. He shares his insights on running an ecommerce business through his articles which appear on business software blogs. Click the link to find out more about Amazon shipping solutions.

One Response

  1. Another great way to lower your auto insurance premium is drive monitoring which many people today are beginning to warm up to since the cost of insurance is going up every year and the amount of savings with car monitoring programs. The savings can reach 50 percent – which is huge! Not all companies are offering the program, but certain something for anyone to save to look into.

Leave a Reply