4 Overlooked Ways to Save 11% on Car Insurance

Happy driver
Photo by Nopphon_1987 / Shutterstock.com

Sometimes, we make saving money far more difficult than it should be. In fact, taking four easy steps can cut your annual car insurance bill by up to 11.2% — or $168 — on average.

That is among the findings of the 2021 The State of Auto Insurance report from insurance search engine The Zebra.

The average annual savings break down as follows:

  • Buy with automatic payments: $21 savings (1.4%)
  • Buy online with an electronic signature: $12 savings (0.8%)
  • Pay in full: $73 savings (4.9%)
  • Pay in advance by 10 days: $62 savings (4.2%)

If you live in California, you have an extra opportunity to drive down costs. According to The Zebra:

“Nationally, drivers save about 6% by reducing their driving from 15,000 miles per year to less than 7,500 miles per year. Californians, however, would save 32%, or $549, for halving their mileage.”

More ways to save on car insurance

The Zebra’s annual report revealed some other interesting information about the cost of car insurance. For example, by the time you are in your 20s, car insurance costs begin a decades-long drop that suddenly stops — and then reverses direction — after you reach a certain age.

Wondering when your rates are likely to rise? Find out in “Car Insurance Gets More Costly When You Reach This Age.”

Remember, whether you’re 18 or 80, there are always steps you can take to pay a little less for car insurance.

Periodically shopping around is one of the best ways to ensure you’re always getting the best coverage at the lowest cost, but you don’t have to do that homework yourself. If you prefer, services like The Zebra and Gabi will gather quotes for you.

Money Talks News founder Stacy Johnson checked out Gabi, and liked what he found. Find out more about his experience in “How I Found $546 in Car Insurance Savings in Under 10 Minutes.”

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

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