10 Hacks to Slash Your Car Insurance Premium

Not all car insurance is created equal. Minimum liability coverage may keep you legal on the road, but it often won’t be enough to cover the full cost of an accident. Without proper limits, you could be left paying thousands out of pocket. The right policy ensures you and your finances are protected. Check out Money’s car insurance tool to find the coverage you actually need.

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The golden rule for car insurance isn’t loyalty, it’s comparison; here’s how, with a little research and some practical changes, you can potentially shave hundreds off your annual car insurance bill.

Don’t just stay with the same insurer. Call 2 or 3 others. You might save a lot.

If you pay more when you claim, your monthly cost will go down. But only do it if you have some savings.

Extras like roadside help or rental car cover cost money. If you already have them elsewhere, drop them.

If you have both home and car insurance with the same company, you often get a discount.

If you’re a safe driver or rarely drive, some insurers give you a lower rate through a tracking device or app.

If you work from home and don’t commute, tell them. Not driving in rush hour can lower your price.

Parking at home (garage or driveway) is cheaper than leaving the car on the street. Don’t lie about where you park — if you do, a claim might be denied.

No crashes, no tickets = lower rates. If it’s a small repair, sometimes paying it yourself helps you keep your “good driver” status.

Multi-car, good student, safety features in the car, low mileage — ask your insurer about all possible discounts.

If you’re hunting for how to get cheaper car insurance quickly, start where the biggest wins are: professional comparison with a price‑beat guarantee. Independent reviewers say the golden rule isn’t loyalty, it’s comparison - and a specialist like Money.com combines advanced pricing research with a promise to beat existing quotes.