[USER]

Does anyone have suggestions on how to save on car insurance? I typically change every so often to keep rates low but I’m having issues doing that currently.

I’m in a state that not at fault accidents do impact your rates and I was rear ended by a texting teen in 2022 and then in 2024 my parked car was hit by someone who hit his gas instead of brake.

I’m in a no fault state and PIP is required.

I’m paying $730.06 every 6 months. I have full coverage and dropping that isn’t an option.

My car is a 2024 but is paid off. I’m now getting quotes of over $1000 every six months because I have to add the two not at fault accidents.

I want to be frugal but also responsible so I’m leery on dropping the coverage down I carry if I were to cause an accident.

[Aminah]

That is dirt cheap for a brand new car. And full coverage too. Insurance is rising and not going down.

[Mary]

Bundle it with homeowners/rental insurance. I added pet insurance once and got a better deal.

AARP membership got me the best rates when I was still driving.

If you can pay the entire bill at once for the year.

Good luck.

[Sally]

But no fault actually refers to only the medical injuries. It doesn’t relate to having anything to do with the cost of fixing the cars.
Can you lower your coverage?

Or increase your deductible?
Can you take a driver’s class to make your rates go down?

If you have 100k/300k now and you don’t have a bunch of assets you might be able to go down to coverage of 50k/100k

The last fun fact of the day is if you actually stay with one insurance company long enough to be tenured they actually stop raising your rates

[Charlene]

I don’t know what to tell you. It’s rediculous. I just changed to Liberty.. have a drive performance rating to determine your discount.

For speed, has nothing to do with exceeding the speed limit, it has to do with the posted speeds on the roads you drive.

Time of day? Drive during rush hour to get to work?? Lower rating.

Should be grounds for class action lawsuits on the premiums.

[Angie]

I don’t know but I would jump for joy if mine was only a $1000 every six months.

I pay over $800 every month.

[Amanda]

$1000 every six months sounds like a steal to me! A nearly 40 year old who has no accidents on record, with multiple vehicles.

[Heather]

Find an independent agent that can help you to shop several companies.

Depending on what state you are from I may be able to help you.

[Deborah]

I have a 2015 Chevrolet Equinox, no tickets, no accidents, pay over $1200 every six months.

I live in a city near the border with a very high number of unlicensed and uninsured drivers so it’s high risk.

[Lynn]

Insurance rates are expected to increase even more because the cost of repairing vehicles will jump significantly due to all the new “taxes” on steel, aluminum, auto parts, etc

[Shirley]

I would love to have that rate!! I pay $185/month for a 7yr old car. No tickets, no accidents, low mileage (4k year). Basic small Ford Escape.

Louisiana is probably the highest in auto insurance because of our tort laws.

[Darla]

If you haven’t done so, we increased our deductible to 1k on our newer cars (cars 5 years or newer) which makes a difference in the premium.

If we pay the 6 months in full, we get a discount.

We also pay electronically, which is another savings.

[Author]

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