Four tips to save money on your car insurance | Carson City Nevada News

Gas Prices, Tight Budgets, and Rising Inflation: According to a recent COUNTRY Financial survey, 9 out of 10 people are concerned about meeting financial goals due to the current economy. With expenses skyrocketing, many people are looking for ways to save. Since auto insurance is a regular expense, you may be able to cut those costs. Consider these four simple tips that could help you save money on your car insurance.

1. Follow the speed limit
You don’t have to be in an accident for your car insurance rates to go up. Tickets for speeding or other traffic violations also add to those costs. If you need an incentive to be on your best driving behavior, check with your insurance company to see if they have a smartphone app to help you understand your driving behavior and drive more safely. You can often get a discount just for participating and get additional discounts of up to 25% based on your driving score. For example, customers who sign up and use COUNTRY Financial’s DriverIQ app can start with a 10% discount that could increase to 25% with safe driving.

2. Keep your credit score high
Keeping up with the credit bureaus can help keep your car rates low. Pay your bills on time and check your credit history often to make sure it’s accurate. You can access your credit history for free at

3. Choose your car well
Luxury sports cars and newer models are expensive to buy and to repair, so they cost more to insure. On the other hand, newer cars with sensors and other safety features not only give you peace of mind on the road, but can also be safer to drive and help keep your insurance rates low. The next time you’re shopping for a car, call your agent to get insurance rates based on the make and model of the car you plan to buy. Think of insurance as part of the cost of owning your car, and that could affect your buying decision.

4. Stack your discounts
Many insurance providers offer discounts, and in some cases, you can stack those discounts for further savings. For example, when you insure multiple cars or insure your home and car together, you might get a discount. But taking a defensive driving class, maintaining a good driving record, being a good student or having a certain career could lead to more discounts and add up to more savings. Check with your insurance agent to make sure you get all possible discounts.

While you can explore cutting coverage or making changes to your deductible, talk to your agent and make sure you fully understand the impact of those cost-saving changes. They could have long-term consequences if you have an accident or a claim.

Sean Marler CFP® is a Financial Representative for COUNTRY Financial in Minden, Nevada. He can be reached at (775) 782-8363 or

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