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Tips to Save Money on Your Next Car Insurance Policy


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In almost every state, it’s illegal to drive without car insurance. And if you cause an accident, having car insurance can help protect you from being sued by the other driver or their passengers.

As the cost of living increases, many people are looking for ways to save money. Your car insurance is one area where you can save significant money. 

Here are effective tips to help you save money on your car insurance:

1. Consider Raising Your Deductible

Your deductible is the amount you must pay before your insurer starts paying for damages resulting from a car accident. Your deductible is set at $500 for the first year, which increases by $100 yearly.

A few factors to consider if you raise your annual vehicle insurance policy deductible. The main consideration is whether the increase will save you money in the long run. 

Moreover, if you increase your deductible, you will have to pay a higher premium for your policy. However, if you have a lower collision score, the increased premium may be worth it. This is because it will also reduce the money you have to pay out in claims. 

2. Bundling Your Car Insurance With Other Insurance Policies

Car insurance rates have been rising recently, so bundling your policies is a great way to save money.  You usually have to get all your insurance from the same company. Bundling your car insurance with other insurance policies, such as your homeowner’s insurance, can save you money on your premium. 

In addition, insurance companies offer discounts for customers who “bundle” their policies because it reduces the company’s marketing and administrative costs.

You must bundle multiple policies to get the biggest discount, such as your car, homeowner’s, life, and health insurance. Also, you may get a discount if you have multiple vehicles by insuring them with the same company. And if you have a teenage driver in the family, you may get a discount by having them join your policy.

3. Review Your Coverage Periodically

Car insurance policies typically have a coverage period of six months, but this can vary depending on the insurance company. It is essential to check with your insurer to check if you are still covered and receive the benefits you expect. Also, check if there are any changes you need to make to continue receiving the policy’s benefits. 

Consider dropping collision or comprehensive coverage if your car is not worth much. Finally, ensure you are not paying for any extra coverage you no longer need, such as rental car reimbursement or towing coverage.


Car insurance is not a “set it and forget it” type of budget item. It is one of the most significant expenses you will face. However, knowing how to save money on car insurance can protect yourself and your family from unforeseen financial burdens. You can use the tips above to help you save money on car insurance.

If you’re looking for a car insurance agency in Fort Myers, Bassine Insurance is the best option for you! We offer car insurance that provides event coverage while the vehicle is being driven. Contact us now! We’ll be happy to answer any questions you may have about our car insurance and other service options.  

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