Hey what’s up guys.

Let’s face it, there are some things in life none of us buy because we “want” to. 

Instead, we get them because we “have” to. 

Things like life insurance, semi-annual visits to the dentist, and most definitely auto insurance fall into that category. Many of these things are “protection” types of purchases. 

That’s because when you buy intangible things that offer you protection, it’s just not as much fun as buying something that gives you some kind of experience. Like a car, truck, motorcycle, or boat, for instance :-)

Anyway, the good news is… after getting sticker shock over one of our own recent auto insurance bills... we here at The Last Coat spent some time scouring the web for some strategies to lower our auto insurance bills, and we want to share them with you. 


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Each one of these strategies is fairly simple to follow, and if you can combine two or more of them, you might be surprised about how much you can shave off your auto insurance. Here we go:

  • Get quotes from more than one company

  • You might think this won’t do anything, but in fact, it’s one of the biggest sources of savings. 

    That’s because different companies rate drivers differently, based on the company’s specific business model. Some companies are set up to only sell to low-risk drivers… while others are much more forgiving in their premiums. Average drivers might be treated more favorably in one scenario, and some companies even specialize in dealing with high risk drivers.

    It’s definitely worth a look

  • Combine or “bundle” different types of policies if you can

  • If you can combine more than one policy under the same company umbrella, you’re almost always going to get offered a percentage discount. 

    For example, combining homeowners and auto… motorcycle and boat insurance… or even insuring more than one car, often gives you a discount.

  • Make sure you ask if you’re getting all discounts available to you

  • Sometimes the old “ask and you shall receive” mantra is all you need to do. 

    Different companies offer different kinds of discounts, above and beyond the bundling of policies we just discussed. Things like safe driver discounts, student discounts, and even discounts because you don’t drive your car as much as the average policyholder does. 

  • Maintain a good credit score!

  • This may come as a surprise for some people, but insurance companies have been factoring in credit scores as a pricing variable, for quite some time now. The theory is, people with higher credit scores are also more likely to be less aggressive behind the wheel. 

    The converse to this is also true, which is why insurance companies definitely charge more if your credit score is lower

  • Ask for help

  • The truth is, so many businesses have suffered from COVID that many are willing to flex - even if just for a short while - just to pick up a new customer, or not lose an existing customer. So if you’re having a hard time with the price, politely ask if there are any discounts available or any help or suggestions the company can offer, to help you lower their price. 

    Many times a company would rather lower their price, even for a short time, rather than losing a customer.

    And of course you can always raise your deductible - you’d be surprised how much that can save you. Of course, you’re taking on more risk… but many people are OK with doing this, to save a few bucks (Or sometimes a lot!) .

    I hope some of these things work for you - let us know if you can think of any other suggestions, or if you try any of these suggestions and they are successful.

    Nick & Chad - Team TLC

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