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“Struggle is a never-ending process. Freedom is never really won. You earn it and win it in every generation.” – Coretta Scott King

January 19, 2023

Save Money on Your 2023 Car Insurance

Car insurance might be a necessary monthly expense, but does it have to be so expensive? No! There are some easy ways to lower your car insurance costs and put a little money back into your budget.


Here are three easy ways to start cutting pricey car insurance bills in 2023.


  1. Change Companies or Bundle Policies

Sometimes you’re with one insurance company so long you can’t imagine leaving them. But if their prices are unbearable, it may be time to shop around and switch. There are likely competitors who offer lower rates at a similar coverage level.

A second option is exploring insurance bundles (like auto and home insurance). Bundling multiple policies together usually leads to way lower monthly bills than having two separate policies. See if your current company or its competitors have any affordable bundle options available


  1. Make Sure Your Information is Accurate

Correcting inaccurate information could lower your car insurance rates and save you time spent researching new insurance options. How?

Well, let’s say you told your insurance company you drive 10,000 miles a year. The company charges you more for those miles since that means more time on the road (and potential for accidents). If you only drive 3,000 miles a year, you’re seriously overpaying on your insurance.

Call your company and correct any mistakes to start saving money.


  1. Increase Your Deductible

This option will lower your monthly costs (the premium), but there’s some risk involved. You pay a lower premium because you offer to raise the deductible, meaning you pay more out-of-pocket before the insurance company covers a wreck. Make sure you’re a good driver and have a healthy emergency fund before increasing the deductible to a higher level.


And if you need a car before you can get insurance, January’s rates are as low as 4.65% APR on a 72-month loan. Save money on your new car now with a Kelly auto loan!


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