No one likes paying auto insurance every month, but you're legally required to have it, and it's important for your own protection. If you're looking to reduce your monthly auto insurance bill, here are some of the best ways to do it.

Shop Around

One of the reasons people overpay for auto insurance is because they don't bother to look for other options. There's often a big difference between what you'll pay from one insurance carrier to the next. Here's how you can compare rates without needing to get quotes from each carrier individually:


  1. Go to an auto insurance comparison site.
  2. Enter your ZIP code.
  3. Enter your vehicle information.
  4. Enter information on you as a driver.


You'll then have a list of potential rates you could get with different insurance carriers. These aren't guaranteed, but if you entered accurate information, they should be fairly accurate.

Get a Different Car

The car you have is important in several situations. If you ever want to sell it or look into auto title loans, then the value of your car will determine how much money you get. When it comes to auto insurance, several vehicle factors play a role in how much you pay, including:


  • The value of your car
  • How much your car usually costs to repair
  • The accident rate for drivers with your car


This means that one way to pay less for insurance is to choose a car that's known for being one of the least-expensive to insure.

Build a Good Driving Record

This isn't an immediate solution like the first two options, but over the long haul, it's the best way to pay less every month. Your driving record is a major factor in your insurance rates, and when you avoid accidents and traffic violations, you'll be rewarded with lower rates.

Focus on being a more defensive driver to stay safe on the roads. If you have any past missteps, see if you can take a safety course, as insurance carriers will often lower your rates if you do.

Adjust Your Coverage

If you only have liability coverage, you can't get anything less than that. But if you're paying for more, such as collision, comprehensive, rental car coverage or other extras, you could take those off to lower your rate. You'll need to weigh whether the money you'll save per month is worth the potential risk. For example, if you need your car, you should probably keep your comprehensive insurance in case anything happens.

Drive Less

This ranks at the bottom because it usually doesn't have a huge impact on your rate, but it can save you a bit of money. You'll save more if you go from driving a high number of miles per year, such as 24,000, to an average amount around 12,000. If you have other transportation options you can use from time to time, then that's a good way to save on insurance.

There are several great ways you can pay less for your auto insurance. Look over the methods listed above to see which one is right for you.

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