Valencia Insurance Group Blog

Top Money-Saving Tips on Getting Auto Insurance

1/25/2017

Car insurance is a necessity if you’re a vehicle owner. But if you don’t want to spend much on it, sometimes you don’t have to. Fortunately, there are several ways that you can save money on premiums. Here are some tips!

Know What Coverage to Drop

If you have an older car, you might want to consider dropping collision and comprehensive coverage. Collision coverage covers damages to your car when it collides with another object or vehicle. Comprehensive coverage on the other hand, covers your car if it is stolen or damaged by an animal, vandalized, or damaged by a storm.

Owners of cars worth less than their deductible and premiums are encouraged to drop collision and comprehensive insurance. Assess your situation and decide whether it’s worth it to pay more for coverages that only reimburse you for small amounts.

If you decide to drop collision and comprehensive, make sure you set aside money for car repairs or for a down payment on a newer car instead.

Buy a Car that is Cheap to Insure

Before buying a newer car, check the car insurance rates for the car makes you’re considering. Bear in mind that the vehicle you drive can affect your premium, especially when you buy collision and comprehensive insurance. Minivans and small SUVs are usually cheaper to insure than flashy cars.

Be a Safe Driver

Your insurance premiums may go up if you get into an accident or when you’re issued traffic tickets. When you get a ticket, you can get your violation points reduced or dismissed by going to traffic school. If you can keep any violation off your driving record, going to traffic school can save you lots of money.

Take advantage of discounts.

Insurers usually offer different ways to save money. To ensure that you’re getting discounts you’re qualified for, talk to your agents. Here are the most common discounts insurers typically offer their clients:

Multiple Car Discount. If you own two or more vehicles, ask your agent if they offer discounts when you insure your vehicles with them.
Multiple Policy Discount. Bundle your policy with the same insurer. Get more than one type of policy like car and home insurance or car and life insurance.
Good Driver Discount. If you keep a clean driving record, your insurer may give you discounts on your premiums.
Defensive Driving Course. Enrolling in one, especially when you’re 55 or older, may earn you discounts. Ask your agents if you are eligible.
Good Student Discount. Some insurers offer discounts to students that can show proof that they have at least a B average in school.
Driver-Training Classes. If you have a teen driver included in your policy, make sure you enrol them in driving classes. Several insurers usually offer discounts for doing so.
Safer Car Discounts. If you install safety devices in your car, tell your agent. Some insurers may offer discounted premiums when anti-lock brakes, anti-theft devices, or airbags are installed in your car.

Shop Around

It’s important to keep in mind that car insurance rates usually vary among insurers. Get quoted by several companies at least every year to ensure that you’re getting the best deals that fit your needs.

Talk to an independent agency like us. Here at Valencia Insurance Group, we have a list of insurance carriers to choose from. Our agents are more than willing to assist you as you customize your policy to suit your car insurance needs. Aside from that, we also offer free insurance quotes by clicking here. Discuss your options with us, don’t hesitate to call (772) 344-8899 or visit us in person!

39 Comments

Finley Moreira link

10/5/2017 10:12:45 am

I liked your suggestion to look at how much insurance rates are for a car before deciding to buy it. This would be a helpful tip for my son to follow as he is turning 16 and wants to get a car. Seeing as how insurance rates will greatly depend on the type, age, and condition of vehicle he buys, I'll make sure he considers this before making a purchase.

Larry Weaver link

10/6/2017 03:39:13 pm

I appreciate the tip to consider dropping collision and comprehensive coverage with an older car. My wife is convincing me it's time to get new auto insurance, and dropping collision coverage on our older vehicle isn't a bad idea. Driving safe is always something I try to do, so hopefully that will go towards a benefit with getting new insurance.

Michael link

12/5/2017 12:33:01 pm

I think your advice to buy a car that is cheap to insure is really important. My girlfriend wants to drive whatever has four wheels, but I think it would be good to remind her that you will have higher insurance premiums when you drive an older car. As you explained, not only will the car your driving affect your premiums, but it will affect your collision and comprehensive insurance. Thanks again for the post!

Roger Middleton link

12/6/2017 05:57:55 pm

I liked that you had mentioned that it can be important to get a car that is cheap to ensure to get the best rates possible. My wife has been wanting to get a car for our family and I haven't been too sure about it because I don't currently have auto insurance. We'll just have to keep in mind how much it will be when we purchase a car and I'm hoping that we can find an insurance company that will treat us right.

Kyle Wayne link

12/8/2017 02:55:47 pm

It's awesome that you mentioned assessing your situation and deciding if it's worth it to pay more for coverages that only reimburse you for small amounts. My youngest brother is looking to get auto insurance for the first time by himself. I think I will talk to him about assessing his situation to get the best coverage for him.

Kayla link

12/17/2017 08:27:20 pm

I didn't know that there are several ways that you can save money on premiums. My sister just bought a car. My dad suggested purchasing car insurance for it and shared this article with him. It says that owners of cars worth less than their deductible and premiums are encouraged to drop collision and comprehensive insurance.

Roger Middleton link

1/18/2018 08:43:35 pm

My wife and I have been wanting to get on our own car insurance plan but we haven't really known how. I liked that you had mentioned that it can be important to know what coverage you need on your car, and what you can drop from your plan. We'll have to start looking around for an insurance company, and we'll be sure to figure out everything that we'll need to have covered.

Earnest Watkins link

2/21/2018 07:02:05 am

I really liked how you pointed out that shopping around is one of the best ways to ensure you get good auto insurance rates. My son is looking at getting his own auto insurance, and I know he's on a fairly limited budget. I'll make sure he compares quotes of similar policies from different providers before he makes his decision.

Ridley link

2/21/2018 03:29:27 pm

It's good to know how to save on car insurance. I like how you said that being a safe driver can help us save money. That's something that's definitely in our control, so I'll make an effort to drive more responsibly.

Amanda link

2/27/2018 04:06:24 pm

I like your tip that if you keep a good driving record, you'll be able to get a discount. It's time for me to get some auto insurance, and I want to get a good price. I'll have to make sure to keep driving well and get some auto insurance quotes.

Megan rogoers link

2/28/2018 11:49:01 pm

We could save a lot of money by selecting a suitable insurance scheme. In order to do so, we should do some research on different types of scheme provided by different types of insurance company and could choose the best one. However, regular maintenance and defensive driving could be very helpful in preventing any types of collision and also reduces the cost associated with the overall vehicle repair.

Juris Ainsworth link

3/14/2018 05:19:52 pm

It was great to know that if I have a good and clean driving record with no records of breaking the laws, then I have a pretty good chance of gaining discounts for my insurance premium. If that is the case, then I am pretty confident that I will get a discount on my auto insurance policy. I have been driving for a while now, and I have not violated any traffic rules whatsoever. I am looking forward to what the insurance company will offer. Thank you!

Celestia Stratheimer link

3/15/2018 04:04:34 pm

I did like it when you said that when it comes to buying a new car, it's best to check it first and research how much it will cost to get it insured as the price varies depending on the features of the car. If that's the case then I am pretty confident that I will be able to get a lower insurance premium. After all, I am planning to buy a family car next month and not something that's fancy. Thank you!

Sophia rivera link

3/17/2018 12:37:53 am

The fact is that we should choose an insurance scheme very carefully. Before selecting an insurance scheme for the vehicle, we have to consider a lot of factors including the cost of insurance and choose a suitable insurance coverage for the vehicle. Apart from this, regular maintenance could be very helpful in increasing the lifespan of the vehicle. Defensive driving could be very helpful in reducing the probability of collisions.

Ria Amelia Lawrence link

4/6/2018 08:58:42 pm

It was really nice to know that we can actually ask for a discount if we have multiple vehicles insured at the same time. We do have two more cars in the house aside from the one that I am planning to buy. It might be a good idea to get them insured as well so as to be qualified for the discount. It will benefit us anyway. Thank you for sharing this.

Alexandria Martinez link

4/16/2018 04:36:28 pm

I have been thinking about getting auto insurance since I want to buy a new car. I need to know of any good ways to get discounts or better deals to make it more affordable. It is nice to know that they have safe car discounts and I will check if I qualify.

Ashley Turns link

4/18/2018 04:20:03 pm

My husband and I are wondering how to find the best auto insurance rates since we recently got married. So I like your suggestion to look at what the usual coverage rates are for the car you are getting. We'll be sure to find a car that is known to have a great insurance price.

Elsa Anderson link

4/25/2018 08:33:22 pm

As a car owner, it's imperative to buy a car insurance that will cover possible expenses if something happens to it. I know it's costly but I'm glad when you mentioned that we can pick our insurance coverage depending on your car's performance and needs. This sure makes a great help in lowering the costs since you're focused on what is likely to be utilized. I'll keep this in mind when I'm decided to buy another car next year.

Millie Hue link

5/3/2018 11:44:47 pm

I am going to buy a car by next year, and I am researching for ways to save money when I get my auto insurance as early as now. I want to be prepared since I still have a limited budget. I found it interesting when you said that the type of vehicle that I will choose has an effect on the premium, especially when buying a collision and comprehensive insurance. Thanks for the information!

Monica Chavez link

5/9/2018 05:58:48 pm

My brother just bought a new car, and he's trying to learn more about insurance to decide if it would be beneficial for him. I like how you point out that if you get into an accident or if you receive traffic tickets your insurance premiums may go up. That's great information for my brother to know. I think it would be really beneficial for him to have insurance so that he can be covered in case of an accident.

Gary Puntman link

5/16/2018 11:10:14 am

I agree that you need to know what coverage you need and what might be excessive. You should make sure you have plenty of coverage though. I like that you said you should assess your situation and see what coverage is worth it to you.

Bethany Birchridge link

5/21/2018 12:51:13 pm

I never knew that certain types of cars could cost more to insure. I've also learned from personal experience that having a great credit score can help decrease your rate. I've been looking to get car insurance, as I don't want to rely on my father for things I can afford. I'll be certain to use these tips, so thank you for sharing them.

Heidi Bookenstock link

6/7/2018 12:24:03 pm

I'm in the market for a new car, which means I'll need to get some insurance. I've never had to chose a car insurance policy before, so I really appreciate the tips in this article. I really like the idea of buying a car that is cheap to insure, so I'll probably end up purchasing something practical rather than something flashy and expensive to ensure.

Ken Hwan link

6/8/2018 08:26:28 am

I was very surprised to learn that some cars are more expensive to insure than other cars, such as flashy sports cars and convertibles! I am in the market for a new car for my daughter, and I thought that all cars would be the same to insure. I will be sure to keep this in mind when buying a car for my daughter!

Hector Uba link

6/11/2018 03:38:16 pm

Thanks for the tips on saving money when getting auto insurance; they were very helpful. I agree that it's really important to get quotes from many different providers when looking; that way you can find the best deal for you. My sister is looking for insurance now that she is on her own; I will be sure to share this with her.

Ivanna Flint link

6/29/2018 09:14:46 pm

You talked about the multiple policy discount and how the person will be able to save more money if they bundled up the home and the car insurance together. I was actually planning on insuring the house along with the car, so it was good that I came across this article. At first, I thought it would be easier if I prioritized the car insurance first, but now that I know that I can actually get a discount, I'll insure them together.

Joy Butler link

7/24/2018 09:03:48 pm

You did a great job of explaining that it would be best to buy a cheaper vehicle for lower car insurance rates. I had no idea that it should be that way since we've only one car. Nevertheless, we're planning to purchase another one and will surely do this trick!

Gerty Gift link

7/25/2018 08:13:18 am

I liked what you said about buying a car that will be cheap to insure. My husband and I have been thinking about getting a new car and I think that it would be really great to make sure that it is something that wouldn't add too much to our insurance. We'll be sure to ask our insurance about what cars are safer and cheaper to insure than others before we start looking at cars.

Ellie Davis link

7/25/2018 04:57:15 pm

Getting insurance is very important to my family right now because we just bought a new car. Thank you for suggesting that you should be a safe driver to help you get the best deal on insurance possible. Luckily I have a perfect driving record. I'll have to look into finding the best insurance agent and policy in my area.

Katie Wilson link

7/27/2018 03:56:48 pm

Thanks for explaining how you want to consider different discounts that an auto insurance agent will offer. It would be good to consider the best way to get affordable and comprehensive coverage. My husband and I are looking for new auto insurance, so we'll have to consider what discounts to get.

Ellie Davis link

7/31/2018 02:58:19 pm

My son just got a new car and we are needing to get him insurance. Thank you for pointing out that being a safe driver can get you a lower premium. I'll have to look into finding the best insurance in my area.

Mark Murphy link

8/31/2018 07:53:05 am

I really appreciate your tip to try and be a safe driver! My wife and I have been thinking of getting a new insurance policy. I will be sure to be a safe driver in the meantime!

Gerty Gift link

1/23/2019 08:07:59 am

I liked your advice to get a car that is cheaper to insure. I never thought about how a minivan or small SUV would be less than something more flashy. It's something that we'll try to keep in mind while we look at some different cars.

Franklin White link

7/27/2020 10:00:59 am

I like the advice you gave to check the insurance rates on a car before you buy it. I feel like you'd be able to budget better that way. You can see how much you'll most likely need to pay each month on the car payment and on the insurance.

Bob link

11/9/2020 03:23:00 pm

I agree that you should get the insurance that is specific to your make and model. I need to get insurance for a minivan we just bought. I am hoping that we can get a policy that includes liability coverage.

Adam Golightly link

5/4/2021 01:39:29 pm

My aunt has been thinking about getting some better insurance for her car in order to be safer. She would really like to get some help from a professional in order to be more effective. Making sure that she can understand what coverages she needs in order to make them a lot safer without any problems.

Tez link

5/20/2021 06:24:52 pm

I like your insurance tips. I need to get a new policy. My premiums are too high.

Taylor Hicken link

5/24/2021 08:25:52 pm

I found it interesting when you shared that it is great to check the auto insurance rates for the car makes you’re considering before buying it. My sister just mentioned the other day that she is thinking getting a car as she needs to use one to go to work everyday. I will suggest to her looking for the best auto insurance rate from a reliable provider before buying the vehicle.

Henry Killingsworth link

6/25/2021 12:52:03 pm

I like how you mentioned that keeping violations off your driving record can help you save money on car insurance. Is the way all care insurance policies work or is it only applied to certain plans? It seems like it would be important to make sure that you buy an insurance plan that rewards you for safe driving.

Top Money-Saving Tips on Getting Auto Insurance

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