Reddit’s Best Little-Known Car Insurance Tips

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Could these Reddit tips help drivers save on insurance coverage?


Key points

  • Reddit is a popular social platform where people offer advice.
  • Many Reddit users have chimed in with tips on how to buy car insurance.
  • These tips could help drivers save money and ensure they have adequate coverage.

Auto insurance is important to all drivers. Insurance coverage is legally required by most states, and it protects motorists from losing their assets if an accident or other incident occurs. But buying car insurance can be complicated and expensive, so it’s worth finding tips on how to get the best coverage at the right price.

Reddit is a place to look for tips on how to get the right insurance and save money in the process. Reddit is a community where people share advice and ask questions, and there have been many threads on Reddit dedicated to making smart decisions when it comes to car insurance.

Here are some of the best suggestions Reddit users have made.

Be careful what job title you choose

When drivers apply for insurance, they are asked to specify their profession. Numerous Reddit users suggest selecting your job title carefully because this can affect your insurance rates.

“I met a guitarist who spent more time teaching than playing. He changed his insurance profession from ‘Musician’ to ‘Music Teacher’ and saved an absolute fortune,” one Reddit user wrote.

Of course, it is always important to be honest when completing an application. But, as Reddit users in the thread explained, there are often numerous potential titles a person could choose from to describe their work. It can be helpful to get multiple quotes with each of the different potential job titles to see if one option results in cheaper coverage.

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Get the annual payment discount with a 0% APR card

Many auto insurers offer a discount for paying insurance premiums annually. Drivers who can pay all at once can benefit from these savings, but what about people who can’t muster hundreds of dollars all at once (or don’t want to)?

A Reddit user has a clever suggestion. The Reddit user said that he was going to apply for a credit card with a 0% purchase APR and that he would use the card to pay insurance premiums in full up front.

“Wouldn’t it make sense to just get this card and pay for my yearly insurance and enjoy the benefits of a lower premium while paying monthly instead of losing a lot of money right away?” asked the Redditor, and many others agreed.

Of course, drivers trying this technique will need to make sure they don’t miss payments and make sure they pay their card balance in full before the 0% rate expires. But setting up automatic payments to do that would be as easy as setting up automatic monthly car insurance payments, and would come with the added benefit of credit card rewards.

Frequently look for insurance quotes

A Reddit user who was “Supervisor at one of the largest insurance companies in the US.” offered some extremely important advice for drivers. “Check every one or two years,” the Reddit user advised. “Insurance rates change quite frequently, especially as cars become more expensive to repair.”

The Redditor went on to explain that rate increases are common, but motorists can often get better rates by shopping each year. “Do these quotes through the company websites directly, however not an aggregator website as they tend not to be the most accurate,” the user suggested.

Each of these three tips can help motorists save on insurance while getting the right coverage, so the suggestions are definitely worth listening to.

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