8 Ways to Save Money on Car Insurance

We all want to save money, but when it comes to the real expenses in life, that’s where savings really matters. Car insurance coverage is one of those fixed-costs in life that tends to place pressure on the budget. But the good news is, there are plenty of ways to save on a new car insurance policy! All you have to do is take advantage of them!

Continue reading to learn 8 super easy and effective ways to save money on car insurance, plus what you can do if your totaled car is not covered under an active policy at the moment.

Totaled Car Auto Salvage Ohio 513-991-4776
Totaled Car Auto Salvage Ohio 513-991-4776

Top Auto Insurance Discounts You May Be Eligible For

You might think that car insurance discounts are a thing of folklore or fable, but they really do exist. Of course, you might not be eligible for every possible auto insurance discount out there, but you will certainly be qualified to take advantage of at least one! For instance, simply being a safe driver will earn you auto insurance savings!

Whether you are new to the car insurance world or just between policies at the moment, these 8 car insurance discounts can help you save a notable amount of cash on annual coverage rates:

Anti-Theft Features

If you install carrier-approved anti-theft features on your vehicle, you could qualify for an auto insurance discount. Such features to consider include alarm systems or stolen vehicle recovery transceivers.

Automotive Safety Features

In addition to anti-theft and vandalism installations, you may also be able to earn a discount for certain car safety features. Such features may include anti-lock brakes (ABS) and airbag systems.

Good Student

The Insurance Information Institute (III) suggests that if you are a good student who can consistently keep your grades up, you may be able to earn a student discount on auto insurance. Many carriers are on board with this initiative to keep students in school.

Early Renewal

Some car insurance companies will give clients a discount or incentives for renewing their policy early before it can expire. Signing up for a new policy before your old one expires is best practice in all cases, but some carriers will reward you for it.

Low Mileage

Some auto insurance carriers will offer a discounted rate for those who do not drive very much. Since there is less chance that the driver will need to file a claim, they are willing to reduce their monthly or annual rate.  In some cases, a carrier will offer policies based on how many miles a driver averages per year.

Multiple Policy

By choosing to combine multiple insurance coverage within one carrier, you could set yourself up for an auto insurance discount. These are referred to as “multi-policy” discounts, and many insurance companies offer them for those who qualify. For instance, use the same carrier for your home, auto, motorcycle, and boat insurance to get a better rate. The Insurance Information Institute (III) suggests insurance companies do this to reward for client loyalty.

Safe Driver

If you think you won’t qualify for any auto insurance discounts, you will be pleased to learn that safe driving counts! According to the National Association of Insurance Commissioners (NAIC), many insurance companies are willing to offer reduced rates or discounts for drivers with great driving records, free of collisions, accidents, and traffic violations.


There are insurance companies out there that will grant a reduced rate or discount for car insurance if the driver agrees to enroll in a telematics program. A telematics device is installed in the vehicle, which basically monitors and records driving data that insurers collect for research and marketing purposes.

*Some insurers offer these discounts, while others do not. Check with all potential carriers to be sure which discounts are available.

Are you worried about paying a massive car insurance deductible after totaling your vehicle in Ohio? Well, you don’t have to worry at all! Just contact GC’s Junk Cars at 513-991-4776 to sell a totaled car to a professional junk car buyer in Cincinnati, Ohio. We offer free towing and pay cash on the spot!

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