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insurance

How to Save on Car Insurance

David Monforton
David Monforton 2 Min Read
A man sitting at a desk reviewing paperwork.

Taking the time to make a smart automobile insurance purchase can pay great dividends, benefiting you for years to come. Here are six best practices that can help you find the coverage you need while also saving on premiums.

Here’s how to save on car insurance

  1. Bundle your policies: Insurers usually offer savings when you group your vehicle and home, condominium, renters and even life insurance policies together.
  2. Increase your deductible: Raise the deductible on your insurance, and you’ll save on your premiums. Just be sure you can cover the higher deductible if you have a claim.
  3. Consider insurance costs before you select a vehicle: Premiums are based partly on the car itself, such as the make and model. Some insurers also offer discounts for automotive features that reduce the risk of theft or personal injury.
  4. Improve your credit history: Research suggests that people who manage their credit well file fewer claims and are therefore less expensive to cover.
  5. Use low-mileage discounts: Do you have a short commute to work, or do you carpool? Some insurance companies offer discounts to motorists who drive fewer miles than the average.
  6. Drive safely: Generally, a better driving record means lower premiums.

Here’s how to save more on AAA Car Insurance

AAA Insurance offers discounts on auto insurance. Talk to your local agent to see whether you are eligible for these discounts and others.

AAA Triple Check® (available in select states): AAA Insurance offers a free Triple Check to help you understand your insurance coverage—from any company. This analysis will determine whether you have enough coverage without paying for protections you don’t need, and it will help you identify discounts you qualify for with AAA Insurance.

Member benefits

AAA Insurance agents can help

AAA Insurance is designed with members in mind. Speak with an agent who can help you get the coverage that fits your needs and budget.

Find an agent

Insurance Disclosure

This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.

Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. Prices may vary based on how you buy insurance, subject to availability in your state. AAA Insurance is a collection of AAA branded insurance products, services, and programs made available to qualified members. Personal lines insurance is underwritten by Auto Club Insurance Association (IL Auto, IL Home, MI Home, MN Home), Auto Club Group Insurance Company (IA Auto, IA Home, IN Auto, IN Home, NE Auto, NE Home, WI Auto, WI Home), Auto Club Insurance Company of Florida (FL Package), Auto Club South Insurance Company (FL Auto), MemberSelect Insurance Company (GA Auto, GA Home, MI Auto, MN Auto, TN Auto, TN Home), The Members Insurance Company (NC Auto, NC Home), and Universal Insurance Company (NC Auto, NC Home, SC Auto, SC Home). ©2025 The Auto Club Group. All rights reserved.

 

Legal & Compliance Reviewed: April 2025