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Reddit’s Best Little-Known Auto Insurance Tips

Reddit's Best Little-Known Auto Insurance Tips

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Can These Reddit Tips Help Drivers Save on Insurance Coverage?


Most important points:

  • Reddit is a popular social platform where people give advice.
  • Many Reddit users have provided tips on buying auto insurance.
  • These tips can help drivers save money and ensure they have the right coverage.

car insurance is important for all drivers to have. Most states require insurance coverage by law, 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 pays to find tips on how to get the best coverage at a fair price.

Reddit is a place to look for suggestions 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 are many threads on Reddit devoted to making smart choices when it comes to auto insurance.

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

Be careful which function you choose

When drivers apply for insurance, they are asked what their occupation is. Numerous Reddit users recommend carefully selecting the job title as it can affect insurance rates.

“I knew a guitarist who spent more time teaching than playing. He changed his insurance profession from ‘musician’ to ‘music teacher’ and saved an absolute fortune,” wrote one Redditor.

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

Score the annual payout discount with a 0% APR card

Many auto insurers offer discounts for paying insurance premiums annually. Drivers who can afford to pay all at once can take advantage of this savings — but what about those who can’t (or don’t want to) make hundreds of dollars all at once?

A Reddit user has a clever suggestion. The Redditor said he was going to apply for a credit card with a 0% APR purchase and use the card to prepay the full insurance premiums.

“Wouldn’t it make sense to just take this card and pay off my annual insurance and enjoy both the benefits of a lower premium while paying monthly at the same time instead of losing a huge amount right away?” the Redditor asked, and many others agreed.

Of course, drivers trying this technique should make sure they don’t miss out on payments and make sure they pay off 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 auto insurance payments — and it would come with the added benefit of credit card rewards.

Look around often for insurance quotes

A Reddit user who was a “Supervisor at one of the largest insurance companies in the US” gave an extremely important tip for drivers. “Look around every year or two,” the Reddit user advised. “Insurance rates change quite often, especially as cars become more and more expensive to repair.”

The Redditor went on to explain that fare increases are common, but motorists can often score better fares by shopping around each year. “Get these quotes directly from the company websites, but not through an aggregator website, as those aren’t usually 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 well worth heeding.

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