• The best way to save on car insurance is to shop around. Auto insurance rates can vary widely between insurers. When getting quotes, ask what discounts are available - many companies offer lower rates for good drivers, maintaining above a B average if a student, taking a defensive driving course, bundling policies, paying in full, raising your deductible, and more.
• Consider taking a defensive driving course online. These courses teach you advanced driving techniques and safety strategies, making you a safer driver and qualifying you for car insurance discounts.
• Raise your deductibles. Insurance is not meant for covering $1500 fender benders; it's intended for a total loss and liability coverage
• Avoid getting tickets to get all the relevant discounts (good driver, good student, air bag, etc). Speeding tickets, accidents, and other traffic violations increase car insurance premiums. If you get a ticket, you may be offered the opportunity to go to traffic school to get it dismissed or reduce the number of violation points on your driving record.
• Empower yourself by reviewing the definitions of collision and comprehensive coverage. Consider whether you need them in your old cars and make informed decisions about your coverage.
• Review the other coverage options and if they are needed (extended warranty, roadside assistance).
• Discover the potential for significant cost savings by looking for affiliate discounts with your insurance provider. This could be a game-changer in your quest to reduce car insurance costs.

Any other tips or trends?

• Be diligent and responsible by confirming you are comparing similar policies side-by-side. This ensures you are getting the best deal. You can also see if a usage-based program that tracks mileage and driving habits helps lower your premiums. Consider dropping collision and comprehensive coverage on older cars, which are not worth more than $1,000-$2,000.
• You may qualify for discounts by joining organizations like AAA, alumni associations, or large employers. Finding where your profile fits best can make a big difference in cost.