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5 Ways To Pay Less for Car Insurance

1. You should compare policies according to price, coverage, customer service, and company’s reputation.

2. You can ask for higher deductibles. Whether you have a $500 deductible or a $5,000 deductible can make a huge difference in the monthly premium you have to pay for your auto insurance.

3. When you buy more than one policy from the same company it can come out much cheaper for you. For example you can bundle a home owners policy with a car insurance. Just ask.

4. Make sure you only get insurance for things that really matter. If the car is older it does not make sense to pay for comprehensive coverage. This point alone can save you a lot of money.

5. Medical payments coverage can be expensive. It is required in some states and optional in others. Your health insurance policy might be already covering this. Ask your insurance agent to look into this for you. 

How to Make Your Car Insurance Policy More Expensive

There are many optional things that you can cover but in many cases it just adds to your premium and is not really a good deal for you.

Things that are often expensive and not needed by many are:

- Rental reimbursement coverage/transportation expense coverage
- Gap coverage 
- New car replacement coverage
- Towing and labor cost coverage
- Ride-sharing coverage
- Sound system coverage
- Classic car insurance

There are people that always buy the maximum. They usually do not care how much it costs. If it is available they buy it. If you are on a budget it's probably best to go with what is required by law. If your car is leased or financed your bank or lending institution will tell you what you need.

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