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December 20, 2022

How to save on car insurance.

 Contigo insurance agents can help you decide what coverages and options to save on your car insurance. We can in a simple 15-minute interview guide you through the decisions to keep the family protected. The ten options below are suggestions to assist our preferred client.


1. Increase your deductible

 Depending on your insurance provider, paying a higher deductible (the amount you pay out of pocket before your insurance coverage kicks in, in the event of an incident) is typically a quick and easy way you can make your car insurance payments less expensive. 

2. Double-check what discounts you qualify for

Research what discounts are offered by your insurance company to make sure you’re getting the best price on your car insurance.

There may be some discounts you didn’t know about. Insurance companies offer several different types of car insurance discounts that range from going paperless to signing up for a new policy before your old one ends.

Common discounts to lower your auto insurance

  • Enrolling in preferred payment options such as automatic payment
  • Bundling your car insurance with your home insurance or multiple vehicles
  • Participating in a safe driving program like
  • Having advanced safety and anti-theft features in your car
  • Having an energy-efficient car
  • Being a good student or being away at school for teens or young drivers
  • Being an active, retired, or reserved member of the military

Some companies may even offer discounts for things like parking in a garage (especially if you live in a high-theft area) or how much you drive.

3. Shop around for car insurance

Be sure to get several quotes from your Contigo insurance agent. Keep in mind that the cheapest insurance isn’t always the best. Focus on the coverage you need and make sure you’re getting quotes that reflect that. If you think a cheap car insurance quote is too good to be true, it likely is. If you find a good deal, you’ll want to learn more about how to switch car insurance companies.

4. Maintain a good driving record

Safe drivers always save with preferred discounts. In addition to protecting yourself and others on the road, it pays to drive safely. Always avoid speeding, getting into accidents, and other driving incidents. Not only do you prevent expensive speeding tickets or other moving violation costs, but you also help keep your insurance rates lower by proving you’re a less risky driver. Additionally, if you have a claims-free or violation-free history, you can receive additional discounts.

5. Sign up for our safe driving program

Don’t have the best driving record or got into an accident recently? There’s always room to improve. Regardless of your driving record, you can demonstrate your safe driving habits with our safe driving program.

This program can be a great way to proactively prove you’re a responsible driver without having to wait for your insurance rates to lower after an accident or driving violation.

The biggest benefit to participating in this option is to save up to 30% on your premium for the lifetime of your policy. You even get a discount just for signing up and participating. The company we’ll observe your driving habits and reward you for safe driving. Some of the behaviors they track include braking, acceleration, nighttime driving, and how much you drive overall. The program is based on where you live.

6. Take an accident prevention course

Driving courses are not just for new drivers. Insurance companies offer a discount to policyholders in certain states who complete a qualified accident prevention driver course. Some courses can even be completed online.

7. Explore payment options

If you can be flexible with your payment methods, you could save on your car insurance premium. Contigo insurance companies offer a discount if you pay for your policy with one or two annual payments. You can also save if you elect to pay with a preferred method, such as linking a bank account. Another option is to go paperless for your account statements and communication – you’ll save on your policy and help the environment. It’s a win-win.

8. Improve your credit score

What does my credit score have to do with my car insurance? In some states, a credit check may be part of your risk assessment by insurance companies.

Sometimes people with higher credit scores get lower insurance rates because it correlates to making responsible decisions when driving.

If you want to start improving your credit score, be sure to pay your bills on time every month, decrease your credit utilization rate (the amount you spend compared to your total line of credit amount), and make sure the information on your credit report is accurate – you can dispute anything that is not correct.

9. Do you work from home or only drive a few miles a day?

If you work from home, use public transportation to get to work, or have a short commute (lucky you!), you may qualify for low mileage discounts.

10. Review your current policy

If you’ve had the same policy for a few years, or maybe several, it might be time to have an independent agent review and see if your coverage needs have changed. One thing to consider is the older your vehicle is, the less it costs to replace in the event of an accident. This means you might be able to lower your limits associated with vehicle repair, like comprehensive and collision. If you’ve paid off or owe a minimal amount on any loans you have on your vehicle, you may not need gap insurance.

If you lease or finance your vehicle, you’re likely required to have a certain level of comprehensive collision coverage. If you own your car, you may be able to lower or opt-out of those coverages.

You might even qualify for additional discounts since you started your policy. If you turned older than 25, got married, or purchased a home, be sure your policy reflects that information – these are all factors that might help you save on your premium.

Categories: Blog

Tags: affordable car insurance, affordable liability insurance, best car insurance, car insurance, cheap full coverage insurance, cheap liability insurance, insurance quotes, insurance rates, lowest car insurance, multi car insurance, SR 22 liability insurance

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