Auto Insurance Tactics That Will Help You Save More Money in 2022

Just as every year brings changes in the world of health insurance, so do new developments affect auto insurance plans and rates. 

For this reason, if you want to know how to save money on auto insurance in 2022, it’s important to see what changes are happening this year so you can take advantage of them while they’re fresh in your mind and relevant to your situation. 

Auto Insurance

So, In this review, I will be sharing some tactics that will help you save more money on auto insurance in 2022.

Shop Around Once a Year

The best way to save money on your auto insurance is to shop around once a year. By doing this, you can compare rates and see which company offers the best deal. You may also be able to find discounts that you weren’t aware of. 

If you have been with the same company for several years, it’s time to renew and re-shop. Lastly, make sure that you are honest about any accidents or tickets when applying for coverage so that you get the most accurate quote possible. 

While these types of events will increase your premiums, they will not keep you from being insured. Whether or not you were at fault, having an accident will typically lead to higher costs. 

When you sign up for auto insurance coverage, make sure that you list all of your tickets and accidents as well as whether or not they were at fault.

Get Rate Quotes From Many Providers

When it comes to auto insurance, you want to make sure you’re getting the best deal possible. The best way to do this is to get rate quotes from multiple providers. 

This way, you can compare rates and coverage options to find the best policy for your needs. If you happen to have a good driving record or are looking for a discount on your policy, check with the company’s website or call them directly to see if they offer any deals that might work for you. 

Another thing you’ll want to look at when comparing policies is whether or not the provider offers theft protection; this will provide coverage if your car gets stolen. 

If so, ask about special discounts as well as any restrictions that may apply such as an age limit on who can purchase it.

Consider usage-based insurance

Usage-based insurance is a type of auto insurance that charges you based on how much you drive. The less you drive, the less you pay. 

This can be a great way to save money if you don’t use your car often. Just make sure to shop around and compare rates before signing up. 

You may want to consider one of these other tactics for more savings too. For example, you could enrol in an accident forgiveness program. 

These programs typically offer a free or discounted rate for drivers who have been accident-free for five years or more. It’s worth looking into since most insurers will raise your rates after one at-fault accident. 

Increase Your Deductible

By increasing your deductible, you are essentially agreeing to pay more out-of-pocket costs in the event of an accident. However, this also means that your monthly premium costs will be lower. 

For example, if you have a $500 deductible and get into an accident that causes $1,000 worth of damage to your car, you will be responsible for paying the first $500 and your insurance company will cover the remaining $500. 

If you had a $250 deductible, then you would only be responsible for the first $250 while your insurance company would still cover the other $750. 

So, it is important to understand how much money you can save by increasing your deductible before deciding whether or not to do so.

Use Public Transportation

Public transportation can be a great way to save money on your auto insurance. If you live in a city, taking the bus or train to work can help you avoid rush hour traffic and lower your risk of getting into an accident. 

Plus, using public transportation can help you reduce your carbon footprint and do your part to help the environment. 

Your next consideration should be what kind of car you drive. Cars with high safety ratings are less likely to get into accidents and more likely to get cheaper rates than cars with low safety ratings. Next, take a look at the make and model of your car. 

There are many cars that come standard with safety features that will decrease your rates even if they have a higher sticker price than other models.

Reduce Vehicle Miles Travelled

One way to save on auto insurance is to reduce the amount you drive. If you can carpool, ride your bike, or take public transportation for some of your errands or commute, you may be able to get a discount on your premium. 

Check with your insurer to see if they offer a low-mileage discount and how much it could save you. For example, State Farm has a Safe Driver Discount which allows customers who have driven less than 7500 miles annually to receive an additional 5% off their yearly premiums. 

It’s also important to keep track of your mileage when filing claims. 

An inflated mileage report will make you look like a riskier driver who might need higher limits on their policy or higher deductibles because there’s more risk associated with you.

Keep Your Low Rates Low

One way to keep your auto insurance rates low is to maintain a good driving record. If you have any accidents or traffic violations, your rates will likely go up. 

Another way to keep your rates low is to shop around. Insurance companies offer different rates, so it pays to compare. You can also get discounts for things like having a safe driving record, being a good student, or taking a defensive driving course. 


Finally, make sure you understand the coverage you’re buying. In most cases, you’ll be able to get more coverage than you need and then cut back on what’s not needed. 

For example, if you have collision and comprehensive on your policy, but are only financing a car that isn’t worth much, then consider dropping comprehensive from your policy since it’s less important than collision protection when financing a car.

Consider Pay-Per-Mile Insurance

One way to save on auto insurance is to consider pay-per-mile insurance. 

This type of policy charges you based on how much you drive, so if you’re someone who doesn’t drive often, you could save a significant amount of money. 

Of course, this isn’t the right option for everyone, but it’s worth considering if you’re looking to save on your auto insurance. Another way to save money is by raising your deductible. 

Some people find that they can handle higher deductibles because they don’t make claims very often. Check with your insurer to see what’s available and see if raising your deductible would be an option for you.

Let Your Insurance Company Track You

You may be thinking, What? How will letting my insurance company track me save me money? Well, it’s simple. 

The less you drive, the less of a risk you are to the insurance company, and the lower your rates will be. Most companies offer some sort of telematics program that allows them to track your driving habits. 

All you have to do is sign up and install a little device in your car, and then you’re good to go!

Don’t Pay For Coverage You Don’t Need

One way to save on auto insurance is to only pay for the coverage you actually need. If you have an older car, for example, you may not need collision or comprehensive coverage. 

Or, if you live in a safe neighbourhood, you may not need as much personal liability coverage. Talk to your agent about what coverages make sense for you and your budget. 


Know What’s Covered: As with any insurance policy, it’s important to know what’s covered before buying it. For instance, most auto policies will only cover up to 75% of rental car costs (it’s worth getting some coverage from the rental company). 

Also, certain conditions like driving without a license can mean that you won’t be able to collect from your insurer when something goes wrong (though this varies by state).

Pay Your Bill in Full

Paying your insurance bill in full may seem like an obvious way to save money, but you’d be surprised how many people don’t do it. By paying your bill in full, you can avoid paying interest and late fees, which can add up over time. 

Plus, you’ll likely get a discount from your insurer. And if you have an accident, you won’t have to worry about paying a deductible. Insurance companies are offering more discounts for drivers who pay their bills on time and choose more expensive deductibles. 

Stay On Top of Your Payments: Drivers with good credit ratings often qualify for attractive car insurance rates that reward them for being responsible. Make sure you stay on top of all your payments by setting up automatic withdrawals or a calendar reminder that goes off every month when the payment is due.

Consider Insurance Costs Before You Choose a Car

When you’re looking for a new car, it’s important to keep insurance costs in mind. Some cars are more expensive to insure than others, so it’s a good idea to research insurance rates before you make your purchase. If you’re not sure where to start, check out our list of the most and least expensive cars to insure. 


In conclusion, these are some of the best auto insurance tactics that will help you save more money in 2022. By following these tips, you can be sure to get the most bang for your buck when it comes to auto insurance. 

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