How to Save on Car Insurance

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Six Tips to Save Money on Car Insurance

Have you been asking yourself how to save on car insurance? Well, we’re here to tell you that saving on car insurance might be easier than you think. To find the best car insurance at the right price, follow the steps below:
 

1. Compare Car Insurance Quotes

One of the best ways to find the right coverage is to compare car insurance quotes. You can do this by first researching companies to see what they offer. Then, you can get online quotes and start comparing their prices. You can also find out more about what your insurance company offers by calling them and asking about their benefits.
 

2. Increase Your Deductible

By raising your deductible, you’ll decrease your annual premium. So, if you increase your deductibles from $1,000 to $1,500, you’ll lower the car insurance premium you pay each month.
 

3. Bundle Your Home & Auto Insurance

In many cases, insurance companies offer you ways to save by bundling your car and auto insurance coverages. In fact, with our home and auto insurance bundle, you can save up to 5% on your car coverage and 20% on your home policy.**
 

4. Maintain a Good Credit History

Insurance companies look at your credit history and score when deciding on your insurance rates. This means that a better credit history will give you lower insurance costs. So, if you always pay your credit cards and bills on time, then you’ll likely get lower rates.
 

5. Keep a Clean Driving Record

We like to reward safe drivers. That’s why maintaining a clean driving record is essential for keeping your auto rates low. However, with coverage from the AARP® Auto Insurance Program from The Hartford,1 you can receive safe driver discounts like our accident forgiveness benefit.‡ This helps you avoid a surcharge on your policy after your first at-fault accident as long as all drivers on your Hartford policy have a clean driving record for five consecutive years.
 

6. Seek Out Other Car Insurance Discounts

There are also other car insurance discounts that will help you save money on your coverage, including:
 
  • Driving a car with safety features, such as air bags
  • Taking defensive driving courses
  • Driving hybrid or electric vehicles‡‡
  • Paying your premium in full, instead of monthly
How can you save money on your car insurance Keep in mind that if you have multiple cars to insure, then you may also qualify for multi-car discounts.
 
 
 
 

How to Save on Car Insurance

How to save on car insurance To learn more about car insurance and find out your cost, get a free online car insurance quote  the AARP® Auto Insurance Program from The Hartford1 today. You can also speak with The Hartford’s representatives at 888-413-8970. They can help answer any questions you have about coverage and find you discounts that can help you save.
 
 

Common Questions About How to Save Money on Car Insurance

Can You Negotiate with Auto Insurance?

How to save money on car insurance Generally, you can’t negotiate car insurance rates. However, you can find ways to qualify for discounts to apply to your rate.
 
To learn more, read though our car insurance calculator page.
 

Does Car Insurance Get Cheaper as Cars Get Older?

Have you been asking yourself “when does car insurance go down?” The price of coverage typically decreases as you age, but not necessarily as your vehicle gets older. So, a 25-year-old will likely pay more for coverage than a 45-year-old, but older vehicles don’t always get lower rates. Some reasons for this include:
 
  • Older cars tend to be less maintained
  • Your insurance carrier will have to pay the same amount for injuries in an accident, regardless of the age of your car
  • As a vehicle ages, safety features get worn out, like brakes
It’s also important to keep in mind that the type of car you drive impacts your rate. More expensive vehicles cost more to insure than cheaper ones. This is because your insurance company will have to pay more to repair them after an accident. You can figure out how much your car is worth by looking at the Kelley Blue Book.
 

Does Being Married Save Money on Car Insurance?

Save money on car insurance Wondering how to lower car insurance and if marriage impacts it? In many cases, auto insurance rates decrease after marriage. This is because married couples are often less reckless behind the wheel and more mature, so companies will lower the rates. However, both individuals need to have a good driving record and credit score. Otherwise, your rates may increase instead.
 

Get a Quote and Start to Save on Car Insurance

Save on car insurance So, how can you save money on your car insurance? The best way is to find the right deals, discounts and benefits. To learn more, get a car insurance quote today. You can also call The Hartford at 888-413-8970 to see if we offer discounts for your policy.
 
 
 
Last Updated: September 21, 2023
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/22 and 12/31/22. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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