September 10, 2021
how to get lower auto insurance rates

Saving Money on Auto Insurance is Stupid-simple, if you know the Tricks

We have hundreds of shoppers monthly who contact our offices looking for lower auto insurance rates.

On average, we’re able to save them 38% just on auto insurance

“But is this something anyone can do?” you might think.

Yes, and it’s Really Simple.

But there’s a problem.

Most people go about saving money on auto insurance all wrong.

Here’s what most people do:

What NOT to do with Auto Insurance to Save Money?

how to find more affordable insurance

#1 - They increase their deductibles. This basically costs them more money out of pocket if they’re involved in an auto accident.

#2 - Another trick used by insurance agents is lowering your liability limits.

Ouch, that one will be expensive if your low liability limits run out due to a large claim. Can you afford to have your wages garnished or your personal property sold to settle a judgement?

#3 – Still others eliminate coverage's on their auto insurance they might actually need, just to save a buck.

Imagine an auto accident, only to realize afterwards you canceled rental car coverage to save $12 a year. It seemed like a good idea at the time.

#4 - How about adding a second vehicle for the multi-car discount? Great if you have more than one vehicle, but many don’t.

#5 - Keep your driving record clean. Don’t get into accidents or if you receive a ticket for speeding, have a lawyer fix it. Both excellent recommendations, provided you haven’t had an accident or a ticket.

#6 - The last method suggested in every state except California (not allowed). Keep your credit clean. 

Credit is used by 90+% of all auto insurance carriers to determine risk.

Credit is a pretty reliable way of predicting your likelihood of filing claims or speeding. 

Folks with excellent credit typically are planners and more conservative, which means you’re probably not drag racing.

How we helped customer get lower auto insurance rates

How do Insurance Brokers get paid

While some of these tips can help you save money, they’re often times not worth the risk or are difficult to control (like your credit or driving history).

What can we do now that’s easy and saves us money?

The one thing you can do to lower your auto insurance – without having excellent credit, multiple vehicles, no tickets, willing to pay more out of pocket for claims, lowering your liability coverage or dropping coverage's you probably need.

Add Property Insurance…  the multi-policy discount is Huge. 

Keep reading this little-known trick we use even if you think you’ve read the whole story.

Yes, everybody lives somewhere, unless it’s your car.  

Apartment, condo, home… we all live somewhere in the United States.  

Which means you have an opportunity to save money on your insurance policy.  

This is especially a great tip for single people, who generally pay a much higher auto insurance premium.

The excuses we’ve heard as to why I don’t need it

  • I live with my parents
  • My roommate has insurance
  • It’s too hard to move my home insurance
  • I don’t own anything worth insuring

These are simply excuses to keep you from saving on auto insurance.  In many cases, hundreds per year. 

It’s ridiculous how much some customers have saved on auto insurance and the insurance carriers love giving the discounts.  Luckily, you’ve found this website.

We’ll explain how you can get renter’s insurance for practically free and save on auto insurance in the process.

Quick example: A lady in Texas we recently helped with her auto insurance with two vehicles. 

She is a horse trainer and the farm, she works at providing a house for her.  She was not interested in a renter’s insurance policy since she wasn’t paying rent nor was the farm requiring a policy.  

Additionally, she didn’t have much personal property and the house was fully furnished.

What convinced her was easy – the amount of money she saved.   Cost of renter’s insurance $8.00 per month, savings on auto insurance $70 per month. 

You don’t have to be a math major or a rocket scientist to see the value of the multi-policy discount. 

The Simple Trick we use to make rates Super Cheap

Available Auto Insurance Discounts

One easy way to get renters insurance as cheap as possible is increasing the deductible. 

Most people will buy a renter’s policy with a $100, $250 or $500 deductible.  If you really don’t have a need for insurance coverage is to raise the deductible to $1,000, $1,500 or even $2,500.  

Chances are you now have a renter’s policy under $100 a year. 

If you used the customer example above she’s paying approximated $96/yr. for renter’s insurance.  But, her saving on auto insurance is $840/yr. 

That’s AWESOME and you can do it year after year, and keep saving money.

Why would auto insurance companies give
those discounts?

Insurance carriers like, want and need as many policies as they can get from you. 


The chance of you moving your insurance again, after saving so much money, means you’ll probably be a customer for a long-time.  

Don’t forget this also work with other type of insurance, including motorcycle, boat, RV and in some cases life insurance.  
The discounts may not be as big as a property policy, but every 5% and 10% adds up to nice savings.

In California, where there are very few discounts like pay-in-full, having excellent credit or even prior insurance – no discounts available in CA. 

With the high cost of California auto insurance, it’s the one simple trick we use to help our customers all the time.

Believe it or not, some people don’t seem to get the concept of buying more and spending less.   

If you give me $1.00 and I give you $2.00 in return, would that be a good deal?  Suddenly you see the light bulb go on and they realize, yes, I do need renter’s insurance. 

It’s a win-win-win for the insurance agency, which sells two policies.  The Insurance company gets more business and retention of customers.  

Insurance customer who gets renters insurance to save on auto insurance realize, it's like getting a free insurance policy with the discount. 

If you’d like to find out how much you could save on your auto insurance, call us or click to get a fast-free quote.  

Contact us if you’d like to know what the #1 thing you can do to lower your insurance premiums today.

Quotes over the phone: 314-569-1010 or
Toll Free 800-459-6060

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John Espenschied is a long-time veteran of the insurance industry. He's worked with thousands of clients over the years, helping to protect their personal and business needs. John's goal is to provide the best advice possible to assist customers in saving money while protecting their property and securing their financial future.
He truly enjoys helping others and takes great satisfaction in providing top-notch customer service. When he's not working, John has fun spending time with his family, golfing, bike riding, and blogging on insurance topics.