If you find yourself looking for cheap insurance quotes because you don’t want to spend a fortune just to be insured then you aren’t alone. Many people are looking for affordable auto insurance, but it can be inaccessible to many. However, there are a few tips you can try to save money on auto insurance:

1. Maintain good driving history

One of the easiest and most effective ways to save money on auto insurance is to maintain a good driving history. By not driving recklessly and staying out of accidents or trouble where possible you will keep your insurance premiums low. A helpful way to do this is to take a defensive driving course to help you be a better driver. In addition, many insurance companies will give you a discount if you’ve taken one of these courses.

2. Reevaluate and update your existing coverage

If your policy is about to renew, feel free to shop around for some quotes from competing companies. Often you can find a better deal elsewhere and it’s good to get quotes to see what opportunities might be available to you. However, it’s important to remember that cheaper isn’t always better, saving money where you can while still getting decent coverage is the way to go.

3. Bundle insurance policies

If you know other people who are looking to get auto insurance or you have more than one car you’d like to be insured, many insurance companies are willing to give you significant discounts since you are bringing more business to them. The bulk rate they charge could be much lower than what you would pay otherwise.

4. Look into eligible discounts

Many insurance companies will run seasonal promotions or give discounts for a variety of other reasons as well. As mentioned before, if you have taken a defensive driving course you could get a discount, the same is true if you have a good credit score or if you install anti-theft devices onto your car, or if you install snow tires during winter. This is because all of these actions make you less of a risk, making insurance companies more willing to insure you.

5. Increase your deductible

A deductible is the amount of money you have to pay before insurance picks up the tab. By having a higher deductible you are less of a risk to the insurance company making them more willing to give you a better rate. Deductibles typically range from $250 to $1,000 so be sure to pick one you will be able to afford. By increasing your deductible you can put more money in your pocket on savings from the premium which can make this a smarter choice if you are looking to save money.