Owning a car makes daily commute easier, but car insurance is equally essential if you are a car owner. However, the increasing price of cars in the market means car insurance rates are skyrocketing too, so it is necessary to remember a few tips to save on car insurance:

Don’t opt for the first quote you get
The first and the most basic tips to save on car insurance is to shop around. Obtain quotes from different companies, compare their annual premiums, and choose the best option among them.
Also, look around for a better deal every 2-3 years, even if you already have a car insurance policy. However, it’s important to remember that affordability doesn’t always mean quality. The credit-worthiness of the insurance policy is more important, so ensure that your insurer has not just cheap premiums but also enough financial strength to pay if you file a claim.

Security devices are a good idea
Sometimes, an insurer is likely to give you a discount on car insurance if there are security devices installed in the car. This is mostly because the presence of security devices like alarms, tracking systems, and steering wheel locks makes it less likely to be stolen or prevents accidents to a certain extent.
That being said, if your only goal in acquiring a security device for your car is to get a lower premium, check whether the difference in premium rates is significant enough for it to be worthy of the cost of the devices installed.

Get multiple cars or drivers insured
One of the often-forgotten yet most effective tips to make savings on car insurance is to get multiple cars or drivers insured from the same provider. However, this is only possible if the drivers are related by blood or marriage or jointly own a vehicle together. Some insurance companies also offer student discounts for teenagers if they score good grades in school.
Besides, you can ask the company whether it’s possible to bundle your insurance. That is, purchasing homeowners’ insurance, life insurance, car insurance, and more from the same company can bring the premium amount down by as much as 25 percent.

Drive safe and drive less
Driving safe results in having a good driving record, reducing the risk of accidents and insurance claims, leading to around 10-23% lower premium amounts. Drivers are given points for moving violations, which are taken into consideration when the insurer decides the premium amounts. Sometimes, a pre-approved defensive driving test can also help lower the premiums.
Some insurance companies also offer discounts to drivers with less annual mileage limits. If you drive fewer miles every year, it means the chances of accidents are reduced and the need for repairs and maintenance is also less. This is another of the lesser-known tips to save on car insurance.

Slow down on the modifications
While trims like alloy wheels, custom paintwork, and turbo-charged engines might seem attractive, insurance companies often charge higher premium rates for such vehicles as they are perceived to be more attractive to thieves and vandals.