Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Car insurance costs money; that’s no secret. But it doesn’t have to cost a lot. In fact, if you want the cheapest car insurance, there’s a lot you can do…depending on how far you want to go. We’ll take the steps in order, from the easiest to do, to the most difficult. Before we continue, try our ZIP code search and compare auto insurance providers for FREE!

#1) Drive a Hard Bargain

Cheap Auto Insurance

You should have been doing this already, but it’s never too late to start. Look around for the lowest quotes possible, and then call the insurer directly. Talk about possible factors affecting your costs and what you can do to lower them. Ask about any possible auto insurance discounts they might have.

Finally, bundle your car insurance with other insurance, such as homeowner’s insurance. And don’t forget: you can go back to your current insurer and let them know the great deal you’ve been offered. They might be willing to match it.

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#2) Stay on Top Of Your Regular Maintenance

Car engine light

Again, it’s so basic we almost feel silly telling you this, but if you keep your car in perfect running order, your insurance will stay low. A broken car is a costly car, after all. Use a calendar, like on your phone, to stay on top of fluids and regular appointments, and be paranoid: if something seems wrong, have a mechanic check it out, and pay out of pocket for the costs.

#3) Repaint Your Car

Car Insurance Coverage

Yes, for simply the cost of a visit to your local Maaco, you can lower your car insurance. While car insurance prices depend much more on, for example, your driving record, one thing they do take into account is the color of your car. A car’s color could limit you from receiving the best rates from your company!

They do this for a variety of reasons. For example, owning a muscle car is already going to result in high risk car insurance, because owners of muscle cars tend to drive more aggressively and get into more crashes. But research has shown that if you own a red muscle car, you’re probably going to be even more aggressive than other drivers. Rumor has it that if you paint your muscle car to resemble a famous one, such as the General Lee or Eleanor from “Gone in Sixty Seconds” (the good one from the ’70s, not that Nic Cage movie), it will be even higher!

So, what are you looking for? A light color that’s very easy to see. Keep in mind that once you throw darkness into the equation, your risk of a collision goes way, way up: the odds of a fatal collision are much higher at 9pm than they are at 9am. So go for something that reflects light, like silver or white, as opposed to dark colors like red. The easier you are to see, the easier you are to avoid being hit.

#4) Add Anti-Theft and Other Safety Features

Stolen car insurance

The safer your car is, for you and others, the cheaper it is to insure. For example, a locator device in your car can lower premiums substantially, simply because it’s much easier to retrieve if it’s ever stolen. Other features you should consider:

  • Windshield treatments to increase visibility in bad weather
  • Rear window wipers, if not already installed.
  • Anti-fogging treatments on windshields and mirrors
  • Tires rated for high traction
  • More powerful headlights or fog lamps

Essentially, anything that makes it easier for you to see outside of your car, or anything that makes you easier for others to see, will lower your premiums a little bit.

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#5) Switch Out Your Car For One With the Lowest Number of Collisions

Car Switch

One of the biggest factors in ANY insurance is how many collisions a car gets in, and how easy it is to repair those collisions. The vast majority of car repairs involve repairing collision damage, and the more it’s going to cost, the higher your insurance rates will be. So, conversely, the cheaper it is to fix and the fewer collisions it’s in, the cheaper it is to insure.

For example, if you like small four-door sedans, your best bet for 2011 is the Honda Civic; it has the lowest collision damage score in its class. But if this is purely about dropping your insurance costs, get a Land Rover LR3: it has the lowest collision damage score of any car on the road.

#6) Drive as Little As Possible

Car repairs

This one is pretty simple: the less you’re on the road in the first place, the less likely you are to get into an accident and damage your car. You can also qualify for certain discounts if you’re under a certain amount of mileage.

And, remember, take this as far as possible. Walk everywhere you can, or ride a bicycle. It’s snowing? Good for the heart! Groceries? Put a cart on the back of your bike! Just make sure it’s a mountain bike, because if you’re going to go whole-hog on this “cutting your car insurance” thing, you’re going to…

#7) Move to Vermont

State car insurance

Yes, the Green Mountain State. Vermont has a few things that make it less than appealing to insurers (like lots of windy mountain roads), but it has a few things that insurers like a lot more. Very few people, for example.

Vermont has less than a million permanent residents. And, even better from an insurance standpoint, 94% of Vermont drivers are insured. That’s important to note, because the more insured drivers there are, the fewer costs each insurance company has to pay. People who live in states with a high percentage of uninsured drivers pay higher premiums simply because it’s going to cost the insurance companies more in the long run. Check out our state car insurance requirements for tips on ways to save within your state!

Vermonters are also good drivers: Vermont is just one of three states to have under 100 traffic accidents per year in the last twenty years. In fact, the number of accidents has dropped by nearly 30% over that time period. In 2008, there were just 73 traffic fatalities in Vermont, giving it one of the lowest rates in the nation.

So, that’s how you get the lowest car insurance: drive the safest possible car as safely as possible as little as possible in the safest possible place. Of course, this will also make you boring. But you’ll be saving money! Save even more money by using our insurance comparison tool! Enter your ZIP code and we will help you find the best companies!