--- title: 7 Ways to Save on Car Insurance description: Here are 7 awesome ways that anyone can save on their car insurance. image: https://go.hfcu.org/hubfs/images/Close%20up%20of%20a%20car.jpg --- [![MoneyWisdom_HFCU_r2](https://go.hfcu.org/hs-fs/hubfs/MoneyWisdom_HFCU_r2.png?width=464&name=MoneyWisdom_HFCU_r2.png "MoneyWisdom_HFCU_r2")](https://go.hfcu.org/blog) Filter by Category** - [Show All](https://go.hfcu.org/blog) - [Security](https://go.hfcu.org/blog/topic/security) - [Personal Finance](https://go.hfcu.org/blog/topic/personal-finance) - [Auto](https://go.hfcu.org/blog/topic/auto) - [Business](https://go.hfcu.org/blog/topic/business) - [Credit Score](https://go.hfcu.org/blog/topic/credit-score) - [Home](https://go.hfcu.org/blog/topic/home) - [Credit Cards](https://go.hfcu.org/blog/topic/credit-cards) - [Life Changes](https://go.hfcu.org/blog/topic/life-changes) - [Insurance](https://go.hfcu.org/blog/topic/insurance) - [Investments](https://go.hfcu.org/blog/topic/investments) Filter by Category** - 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[dormant account (1)](https://go.hfcu.org/blog/topic/dormant-account) - [inactive account (1)](https://go.hfcu.org/blog/topic/inactive-account) # 7 Ways to Save on Car Insurance ** [Hanscom Federal Credit Union](https://go.hfcu.org/blog/author/hanscom-federal-credit-union) ** Apr 21, 2017 ![](https://go.hfcu.org/hubfs/images/Close%20up%20of%20a%20car.jpg) Drivers with a lot of tickets for moving violations or multiple accident claims om their record pay dearly with high car insurance premiums. The only cure for that is time. But if your rate is higher than you like, there's a lot you can do now to getting a better deal. Here are seven things to try.  ### **1. Comparison Shop.** It pays to shop around. This is especially true when circumstances change, like when you buy a new car or add a driver to your policy. Insurers continually modify pricing based on market conditions and business priorities, so the company that served you well when you were single and driving a sports car may not be your best choice when you transition to a different stage of life. ### **2. Bundle Your Policies.** Insurance companies want as much of your business as they can get, and many offer big discounts when you buy more than one product from them. So, if you have a home or more than one car, be sure to see what the cost would be if you were to get all of your coverage from the same insurer. ### **3. Maintain a High Credit Score.** There are a lot of factors insurance companies consider when determining what to charge different customers, and in most states, credit score is one of them. That’s because research has shown that people with higher credit scores tend to have fewer accidents, so they cost insurance companies less money. To get the best rates, work on making your credit score as good as it can be and be sure to check your credit report regularly to make sure there are no inaccuracies in it. ### **4. Check for Discounts.** In addition to good credit scores, insurers may offer discounts to people in specific professions, students who get good grades, driving a car with certain safety features, and more. Ask about the discounts your insurer offers, and make sure you’re getting any that apply. ### **5. Ditch the Brand New Sports Car.** Some cars are more costly to insure than others, either because they are more expensive to repair/replace or more likely to be the subject of a claim. That means you’ll pay less to insure a safe and moderately-priced used car, than a pricey new sports car. ### **6. Join a Carpool.** For insurance companies, it’s a numbers game. The fewer miles you drive, the less likely it is you’ll get in an accident, so carpooling could drive down your rate. Likewise, if you get a new job with a shorter commute, be sure to let your insurance company know and ask if you qualify for a reduced rate. ### **7. Consider a Higher Deductible.** With most insurance, there’s a trade-off. If you want lower premiums, you’ll have to swallow a higher deductible or settle for less coverage. If you want no deductible or a low deductible, you’ll pay more in premiums. Remember, though, that the most important thing about insurance is to get the coverage you need to protect yourself and your assets. So, if you want to save on premiums but don’t currently have the cash on hand to cover a high deductible, make it a goal to save up. Once you reach your goal, you can safely increase your deductible, knowing you’ll have the money you need if you get in an accident and need to make a claim. For more tips to save on car insurance and for professional assistance to find the right car insurance policy for your needs, visit [the website for Hanscom Insurance Agency, LLC](https://hanscom.insuranceaisle.com). [![Learn more about Hanscom Insurance Agency](https://no-cache.hubspot.com/cta/default/118438/ceb7ab71-992c-4fe8-ba6d-1b27b8c9829e.png)](https://cta-redirect.hubspot.com/cta/redirect/118438/ceb7ab71-992c-4fe8-ba6d-1b27b8c9829e) ** [Insurance](https://go.hfcu.org/blog/topic/insurance), [Auto](https://go.hfcu.org/blog/topic/auto), [Credit Score](https://go.hfcu.org/blog/topic/credit-score) [** How do I find the right bathroom fixture when planning an update? ](https://go.hfcu.org/blog/bid/142447/how-do-i-find-the-right-bathroom-fixture-when-planning-an-update) [** Can No-Limit Credit Cards Limit Your Credit Score? ](https://go.hfcu.org/blog/can-no-limit-credit-cards-limit-your-credit-score) ### About Author ![Hanscom Federal Credit Union](https://go.hfcu.org/hubfs/HFCU-Profile-1000x1000.jpg) Hanscom Federal Credit Union Hanscom Federal Credit Union, a purpose-driven $1.9 billion organization based in Littleton, MA, empowers its members to achieve financial wellness. Hanscom FCU serves over 95,000 members across the country and overseas through 16 branches, over 100,000 surcharge-free ATMs, 5,000 contact centers, and a web-based branch. Related Posts [![What's the Best Credit Score for a Mortgage?](https://go.hfcu.org/hubfs/couple%20on%20couch.png) What's the Best Credit Score for a Mortgage? ](https://go.hfcu.org/blog/whats-the-best-credit-score-for-a-mortgage) [![5 Surprising Ways You Overshare Your Personal Information](https://go.hfcu.org/hubfs/Protect%20Your%20Privacy%205%20Surprising%20Ways%20You%20Overshare%20Your%20Personal%20Information.png) 5 Surprising Ways You Overshare Your Personal Information ](https://go.hfcu.org/blog/protect-your-privacy-5-surprising-ways-you-overshare-your-personal-information) [![6 Reasons Store Credit Cards Can Cost You Money](https://go.hfcu.org/hubfs/6%20Reasons%20Store%20Credit%20Cards%20Can%20Cost%20You%20Money.png) 6 Reasons Store Credit Cards Can Cost You Money ](https://go.hfcu.org/blog/6-reasons-store-credit-cards-can-cost-you-money) ** - [**](http://www.facebook.com/share.php?u=https://go.hfcu.org/blog/7-ways-to-save-on-car-insurance/) - [**](https://X.com/share?url=https://go.hfcu.org/blog/7-ways-to-save-on-car-insurance/) - [**](http://www.linkedin.com/shareArticle?mini=true&url=https://go.hfcu.org/blog/7-ways-to-save-on-car-insurance/&summary=&source=CeBIT) ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ### Comment ### Subscribe To Blog ### Subscribe to Email Updates ### contact **Hanscom Federal Credit Union** 1610 Eglin St. Hanscom AFB, MA 01731 Call us: [800-656-4328](tel:8006564328) [https://www.hfcu.org/](https://www.hfcu.org/) ### About Us [The MoneyWisdom Blog](https://www.hfcu.org/the-moneywisdom-blog.html) ### Social ** ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.facebook.com/HanscomFederalCreditUnion The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://X.com/HanscomFCU The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.instagram.com/hanscomfcu/ The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.linkedin.com/company/hanscomfcu/ The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### http://www.youtube.com/c/HanscomFederalCreditUnion The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ### Popular Posts [What You Need to Know About Putting Your Home in a Trust](https://go.hfcu.org/blog/what-you-need-to-know-about-putting-your-home-in-a-trust) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Untitled%20design%20-%202022-02-10T072804.753.jpg) [What You Need to Know About Your Federal Tax Bracket](https://go.hfcu.org/blog/what-you-need-to-know-about-your-tax-bracket) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Untitled%20design%20-%202021-03-22T123305.900.jpg) [6 Boat Types to Get on the Water](https://go.hfcu.org/blog/6-boat-types-to-get-on-the-water) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/images/Jet_Ski.jpg) [23 Organizations Dedicated to the Needs of Seniors](https://go.hfcu.org/blog/23-organizations-dedicated-to-the-needs-of-seniors) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Senior%20citizens.jpg) [9 Smart Moves for Lottery Winners](https://go.hfcu.org/blog/lottery) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/images/lottery_winner.jpg) ### Recent Posts - [![National Credit Union Administration](https://go.hfcu.org/hs-fs/hubfs/NCUA-logo-small.png?width=95&name=NCUA-logo-small.png) ](https://www.ncua.gov/) [![Equal Housing Lender](https://go.hfcu.org/hs-fs/hubfs/EHL-logo-small.png?width=65&name=EHL-logo-small.png)](https://www.hud.gov/fairhousing) - @ 2023 [Hanscom Federal Credit Union](https://www.hfcu.org/) - Federally insured by the National Credit Union Administration. - [Privacy Policy](https://www.hfcu.org/content/docs/Privacy_Notice.pdf) **Disclosure:** Hanscom Federal Credit Union does not provide and is not responsible for any products, services, or overall website content available at any third-party sites linked within this blog. 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Please consult the privacy disclosures on those linked sites for further information. ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Hanscom Federal Credit Union" }, "dateModified" : "September 22, 2021, 9:08:44 PM", "datePublished" : "2017-04-21 11:19:00", "description" : "Here are 7 awesome ways that anyone can save on their car insurance.", "headline" : "7 Ways to Save on Car Insurance", "image" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/118438/images/Close%20up%20of%20a%20car.jpg" }, "mainEntityOfPage" : { "@id" : "https://go.hfcu.org/blog/7-ways-to-save-on-car-insurance", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/118438/Logo%202.jpg" }, "name" : "Hanscom Federal Credit Union" } } ```