Finding affordable car insurance is not easy. There are hundreds of auto insurance providers, but only a few offer comprehensive coverage at a reasonable price. Costs vary from one company to the next as well as from state to state. The good news is that you can lower your monthly car insurance rates quite easily. Customers can save more than 70 percent on coverage by applying for discounts. Some choose to raise their deductible, keep their mileage low, or take defensive driving classes to save money on car insurance.

Here are five simple ways to get the best price on your policy:

Shop Around

This is the single most important thing you can do to get lower car insurance rates. Many auto insurers offer discounts that are available exclusively online. Use the Internet to compare policies and request free quotes. Many websites enable users to compare car insurance providers side by side. This way you can search for a competitively priced policy and see the discounts that are being offered. Compare at least three different quotes before making a decision.


Increase Your Deductible

By increasing your deductible from $300 to $600, you can save as much as 30 percent on your car insurance policy. You’ll still be covered for catastrophes, so there’s nothing to worry about. This is one of the easiest ways to save money on auto coverage.

Look for Discounts

Most car insurance companies provide discounts to students, good drivers, and loyal customers. If your vehicle has safety equipment, you’ll get a lower premium. Car owners who take defensive driving courses pay less on coverage. Maintain a good driving record and you’ll get extra savings. If you only use your car occasionally, apply for a low mileage discount. Many quote comparison websites feature online calculators that can help you determine how many miles you drive each year.

Keep Your Car Safe

Customers who keep their cars in a garage at night pay lower auto insurance rates. By keeping your vehicle in a secured area, you can reduce the risk of theft and vandalism. This can dramatically cut your premiums.

Bundle Your Insurance for Big Savings

When you bundle your home and car insurance with one company, you’ll receive a discount. Combining your policies can help you save over 30 percent. It’s also a great way to save time and handle less paperwork.