12 Ways to Save on Auto Insurance
1. Shop and Compare (Most Important)
Get quotes from at least 3 carriers. Better yet, use an independent agency that shops 50+ carriers for you.
2. Bundle Auto + Home/Renters
Multi-policy discount: 10-15% off both policies.
3. Raise Your Deductible
$500 → $1,000 deductible = 15-25% premium reduction.
4. Maintain Good Credit
Good credit can save $500-$1,000/year in California.
5. Drive Less
Under 7,500 miles/year qualifies for low-mileage discounts (5-15%).
6. Take a Defensive Driving Course
Most carriers offer 5-10% discount for completing an approved course.
7. Ask About ALL Discounts
Good driver, good student, military, senior, anti-theft, safety features, paperless, autopay — ask about every one.
8. Pay in Full
Avoid installment fees by paying your premium in full (5-10% savings).
9. Remove Unnecessary Coverage
Older cars may not need collision/comprehensive if the car's value is less than 10x your deductible.
10. Drive a "Boring" Car
Honda Civics and Toyota Camrys are cheap to insure. Sports cars and luxury vehicles are not.
11. Avoid Tickets and Accidents
Clean record = best rates. One speeding ticket can increase your premium 20-30%. (Got a ticket? FasTrak Roadside traffic school can help prevent the point.)
12. Review Your Policy Annually
Rates change. Your life changes. Review every year.
Let Us Find Your Savings
At FasTrak Insurance, finding savings is literally what we do. Get a free quote and see how much you could save.
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