Get Cheaper Car Insurance

Car insurance is a major part of owning a vehicle, so finding the lowest rate possible can save drivers hundreds—or even thousands—of dollars each year. The right coverage protects your vehicle, your finances, and your peace of mind in case of accidents or unexpected events. Smart shoppers compare policies, understand coverage options, and use available discounts to lower premiums. Insurance companies evaluate many factors such as driving history, vehicle type, and coverage limits when calculating rates. At Spitzer, we believe that informed shoppers are happy owners, and we’re here to support your journey from the showroom floor to the open road.

Steps to Get the Lowest Car Insurance Rates

1. Compare Multiple Insurance Quotes

One of the most effective ways to lower your car insurance premium is to shop around. Insurance companies use different formulas to determine rates, so that quotes can vary significantly between providers. Getting at least three to five quotes ensures you’re seeing the most competitive pricing available.

2. Choose the Right Vehicle

The type of vehicle you drive directly affects insurance costs. Vehicles with strong safety ratings, lower repair costs, and advanced driver-assistance features often qualify for lower premiums. When shopping for a new or used vehicle, considering insurance costs early can help you stay within your budget.

3. Maintain a Clean Driving Record

Your driving history is one of the biggest factors insurers evaluate. Drivers with no accidents, violations, or claims typically receive the lowest rates. Safe driving not only protects you and others on the road—it can also lead to substantial insurance savings over time.

4. Bundle Policies for Additional Discounts

Many insurance providers offer discounts when you bundle multiple policies together. Combining auto insurance with home, renters, or other policies can significantly reduce your overall insurance costs.

5. Increase Your Deductible

Choosing a higher deductible can lower your monthly premium. While this means paying more out of pocket if a claim occurs, it often results in meaningful savings for drivers who rarely file claims.

6. Take Advantage of Available Discounts

Insurance companies frequently offer discounts for things like:

• Good student performance
• Defensive driving courses
• Low annual mileage
• Safety and anti-theft technology
• Loyalty or long-term customers

Asking about all available discounts ensures you’re not leaving money on the table.

7. Review and Update Your Policy Regularly

Insurance needs change over time. Reviewing your policy annually helps ensure you’re not paying for unnecessary coverage and allows you to take advantage of new discounts or improved rates.

8. Review Coverage on Older Vehicles

If you’re buying a budget-friendly used vehicle, evaluate if you need full collision and comprehensive coverage. If the annual cost of insurance exceeds 10% of the car’s total value, it may be more cost-effective to drop those coverages and “self-insure” for physical damage.

Frequently Asked Questions About Car Insurance Rates

What factors affect car insurance rates the most?

Insurance providers consider several factors when determining rates, including driving history, age, location, vehicle type, credit profile (in many states), and coverage selections.

Does a new car cost more to insure than a used car?

Sometimes. New vehicles may cost more to insure due to higher replacement costs, but advanced safety features can qualify for discounts that offset some of the expense.

How often should I shop for new insurance quotes?

Experts recommend comparing insurance quotes at least once a year or whenever you purchase a new or used vehicle.

Do safety features reduce insurance costs?

Yes. Features such as automatic emergency braking, lane-keeping assist, and anti-theft systems often qualify for insurance discounts.

Can my credit score impact my car insurance premium?

In many states, insurers use credit-based insurance scores as one factor in determining rates. Maintaining good credit can help drivers qualify for better premiums.

Are certain cars cheaper to insure?

Absolutely. Vehicles with high safety ratings, low repair costs, and advanced driver-assistance systems (like lane-keep assist or automatic braking) generally cost less to insure. Minivans and small SUVs often have lower rates than luxury sports cars or high-end imports.

What is a “low mileage” discount?

If you drive less than the national average (typically under 7,500–10,000 miles per year), you may qualify for a discount. This is perfect for remote workers or those with short commutes.

Save on Ownership Costs with the Spitzer VIP Program

Buying a vehicle is only part of the ownership journey, and reward programs can make it even more affordable. The Spitzer VIP Program allows customers to earn rewards on qualifying purchases and services, helping reduce the overall cost of vehicle ownership. You can redeem these rewards for maintenance services, genuine accessories, or even apply them toward a new or used vehicle in the future. By combining smart insurance shopping with valuable rewards opportunities, drivers can maximize savings while enjoying reliable transportation. Visit your local Spitzer dealership to learn more about how the VIP program adds value long after you drive off the lot.