3 Clever Tips and Tricks to Save Money On Your Car Insurance … Every Month

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Let’s be honest, most of the stuff you are going to see around car insurance does have to deal with the fact that it is extremely expensive. Car insurance can cost an average of 135 dollars a month and often does cost more, and if you find that your car insurance bill is starting to break the bank, you don’t need to worry completely. 

There are a few things you can do to make sure that you can save some serious money on your car insurance, and this isn’t just one time savings, but instead, it is savings that will last you every single month!


Look Around For Car Insurance Discounts

Every single car insurance company offers special ways for you to save on your car insurance premiums, so make sure to investigate the discount page for your insurers and check with your agent to make sure you are getting all the discounts you can get. You might be paying a higher overall price than some of the other competitors, but if the company offers the most discounts then you might be paying about the same regardless. 

Drop Car Insurance You Don’t Need

We tend to spend a lot of money over-insuring our cars because of what might happen and the ‘better safe than sorry’ attitude. However, if you have an older car you might need to drop the comprehensive insurance and the collision insurance. Comprehensive insurance pays you if your car gets stolen or is damaged by storms, and collision insurance protects you if your car crashes into another vehicle.

Now, if you have an older car that you were going to trade in or upgrade anyway, you might be able to drop that coverage if the car is worth less than your deductible plus the amount you pay for annual coverage. 

If you do need to drop the insurance, still remember to set some money aside, and take advantage of your savings as well. This extra cash will be able to help you repair your old car or maybe even start the funds needed to buy a new one.

Shop Around for Specialist Insurance if Required, e.g. SR22 Insurance

Looking for specialist car insurance is something that can help you make sure you are paying the lowest rates. Again, we tend to set a rate for car insurance once and then forget all about it, but the rates for car insurance continue to change. So don’t be afraid to shop around for new car insurance every 6 months to every twelve months, and make sure you are getting the best rate.

SR22 insurance can be very helpful because it is a certificate of financial responsibility that acts as the proof that your auto insurance policy meets the minimum liability coverage required by the law. It is not required in all states, but if it is required for you need to make sure you are looking for some affordable SR22 insurance.

Most states tend to charge a flat fee when the company files the insurance, but otherwise, you won’t need to pay anything unless the policy lapses at all.

Insurance Doesn’t Have To Be Expensive!

You don’t need to feel like your car insurance is sucking your wallet, and instead, you can work to find the cheapest insurance option for your needs and for your car. 

Once you are sure that you have the best insurance, then you can just keep being a safe driver and watch your costs for insurance keep going down!


Welcome to the Night Helper Blog. The Night Helper Blog was created in 2008. Since then we have been blessed to partner with many well-known Brands like Best Buy, Fisher Price, Toys "R" US., Hasbro, Disney, Teleflora, ClearCorrect, Radio Shack, VTech, KIA Motor, MAZDA and many other great brands. We have three awesome children, plus four adorable very active grandkids. From time to time they too are contributors to the Night Helper Blog. We enjoy reading, listening to music, entertaining, travel, movies, and of course blogging.

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