11 Quick Tips to SAVE CASH on Auto Insurance - Car, Truck, SUV Expert Auto Advice 2021

Car Insurance. Who doesn't want cheaper car insurance? That's why you must see this video!
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According to Edmunds:

2. Evaluate insurance costs before you buy your vehicle.The year, make and model of your vehicle can have a profound impact on your insurance rate. All else being equal, new, expensive or sporty cars will cost more to insure than older, cheaper and more utilitarian vehicles. But you could find a substantial discrepancy even when comparing the cost to insure similar cars. So if you've got a few models on your shortlist, contact your carrier to see what rate each vehicle commands.

3. Go high on deductibles.If you're willing to give a little with your deductible, you can wind up saving big on your rates. "If you go from a $250 to a $1,000 deductible, you can save between 25 and 40 percent on your policy," says Hunter.

4. Nix collision and/or comprehensive coverage on older cars.If your older car has comp and collision coverage, you might find yourself paying more in insurance than the car is worth. "Take your comp and collision premium and add it up, then multiply it by 10. If your car is worth less than that, don't buy the coverage," says Hunter.

5. Mind your credit score. An increasing number of carriers are considering credit scores when making rate calculations. "Your credit score can be very important in determining your rate," says Hunter. "You can wind up paying up to 50 percent more if you have a bad credit score."

6. Ask about low-mileage discounts.Many carriers offer discounts to policyholders whose annual mileage is lower than the norm. Maybe you have a short commute. Or maybe your participation in the office vanpool results in fewer hours spent in your daily driver.

7. Ask about group insurance discounts. Oftentimes, insurance companies offer discounts to policyholders who are members of certain organizations or professions, such as veterans, engineers or teachers.

8. Ask about all other discounts. Some carriers offer discounts to policyholders whose vehicles bear certain safety features, like anti-theft devices or motorized seatbelts. Others give reduced rates to senior citizens, and to students whose grades meet certain requirements. "Many carriers offer discounts. Ask for them when you're shopping," says Hunter.

9. Avoid lapses in coverage. Even a brief lapse in coverage can disqualify you from receiving discounts. "They use lapses in coverage to increase your premium," says Hunter. Pay your insurance bills on time.

10. Think twice about paying in installments.Most carriers charge an administration fee to pay in installments. One carrier surveyed levied a $10 charge per installment to those who opted to break up their bill. The solution? Pay your premium up front, if at all possible. Of course, this charge is more significant for those with small premiums.

[KevinHunter]

Car Insurance, whether you think of it as a necessary evil or an inconvenient nuisance, you have to have it. You may as well be paying premiums that are as low as they can be, while still giving you the coverage you need.

[mancik]

I work at an insurance company. Get a policy quote online and pay in full. Bundle renters/homeowners IF it's a good deal. Dont go crazy with coverages (take an honest look at the real value of the vehicle)

It's usually cheaper to have more cars and drivers on one policy rather than 2-3. Quote adding your SO or roommate if you're comfortable with that.

If your rate increases call in and ask for a policy review. Be polite but if the first rep cant get to the price you'd like mention you're going to shop around. They'll get you over for a rewrite.

Finally, understand that we cant just waive a magic wand to make things cheaper. There's only so much we can do. Also please be polite and honest!

[gwillis]

risk management 101 : The more monetary risk you agree to take on, the lower your premiums will be. Another reason you should have a savings account.

[thedude]

First time buying a car at the age of 28. Spent 2 hours with the finance guy because i kept telling him no all the insurance add ons.

[JohnNorris]

Tip # 12. Consider having your sex changed on your ID to get a lower rate. Yes, it has been done, a guy in Canada did it to get a savings of $91 off his monthly car insurance payment.

[gwillis]

The problem I have run into over and over is that some of the largest companies refuse to post their prices online. they want you to visit a human agent in person.

[SilverSurfer]

Great video. I wish I knew this a couple of years ago. I drive a truck and only drive my car on weekends. I probably put 15 miles max per week. I’m going to check out those mile programs. Thanks.

[stevenlamberti]

Thank you one of the best channels on youtube period.

[foamyj]

I'm 17 and I am thinking about getting my first car. I'm digging really deep to find some useful info and your channel helps a lot, thanks. New subscriber :)

[Harmonic]

Tip #12: Don't move to Michigan like I did. lmao

[ryanweston]

It doesn’t always make sense to combine your auto and home insurance. If you have one agency, with multiple carriers, it’s still one call to service both policies.

[ryanweston]

Best tip: Go with an independent insurance broker. They can usually smoke the rates of the major carriers without sacrificing claims/customer service experience.

[garymiedema]

Before you choose an auto insurance company, ask your local body shop who they recommend. There is a fairly strong correlation between insurance rates and quality of repairs the company will pay for. .

[byronweisfeld]

this guy doesnt even mention "smashing that like button" or "pretty plz subscribe before u even watch my videos" hes got over 100:1 like:dislike ratio cuz his videos are an absolute good. this guy helps thousands of people avoid getting assfucked by slimey salesmen, period. give him a thumbs up. the 4 of you who gave him a thumbs down, u should be ashamed of yourselves.

[Void-wmhh]

Don’t ever get one of these dongles for your car. The small saving isn’t worth all the tracking they do. They monitor everything and may increase your insurance if the chip shows you accelerate too fast and too often, brake hard too often, etc. never mind going 100mph at night on a highway sometimes (as most people do, not a big deal) - forgot it!

[belleame]

I had Full coverage on my 2012 Hyundai Sonata. Had a collusion and they totaled it and offered me 1000 cash and 250 for salvage because they deemed the cost to fix was 75% more than the value. 1800 as the estimator informed them that I had preexisting damage.. The preexisting damages was a paint job that was needed for the hood and bumper., He estimated it as 2333.00 which devalued my car that amount. I had estimates from 2 autobody shops ( 1 week before the accidents) which estimated damage as 700 and 761.. I forwarded the estimates. They didnt care. The dealership which my vehicle was waiting to be fixed said: This is the first they've heard a car has been deemed a total loss because its hood and bumper needed paint. Yes, my premiums paid surpassed the monies for total loss, offered to me. I am devastated..

[DanielGarcia-zzeg]

The bundle did not work for me.

Allstate wanted too much for my vehicles but was cheap on home insurance

PROGRESSIVE was cheap on my vehicles but not on my home .

Did not work for me to bundle

Be careful when buying a really small car. The insurance rate is crazy.

They look at a full sedan easy to fix.
Really small car has a huge chance of being total

[BrogeKilrain]

Keep you PIP high as many out there have no insurance and injuries can be expensive fast . It’s cheap too.

[michaelsoutherland]

Beware of sites like "lowcostcarinsurance, " be sure it's actually lowcostcarinsuranceprice.com

[tonylancianese]

Kevin, love your channel! Do electric or hybrids cost more generally? Thx