Lower Your Car Insurance Premium When Car Shopping

A couple smiles in the front seat of their new car after learning car shopping tips to lower their car insurance premium

Car insurance rates are influenced by a variety of factors, an obvious one being the type of car you drive. If you’re looking for a new car and ways to save money on your car insurance, here are a few tips that may help you while shopping around. 

Car Shopping Tips to Lower Your Car Insurance Premium

When shopping for cars, you want a vehicle that fits both your needs and lifestyle—think about where you drive, road conditions and how much you travel. Below are other important factors that not only play a role in determining what car you buy, but also how much you pay for car insurance.


Many car insurance companies offer discounts for cars with safety features such as anti-lock brakes, anti-theft devices, tracking devices and other safety technology. 

Engine Size

The stronger your car’s engine is, the higher your premium is likely to be. The speed at which and way you drive a minivan is likely to be different from the way you’d maneuver a mustang. And statistically, the stronger the engine, the higher the accident rates. 

Older Cars

Collision and comprehensive coverage, which pay for damage to your vehicle, may not be as important for older cars. If your car is worth less than your deductible plus what you pay annually, dropping collision and comprehensive coverage may be a good option for you to save money in the short term. 

Who’s Driving the Car

Years of experience behind the wheel often plays a role in your car insurance rates. It’s difficult to avoid the higher premiums that come with insuring a new or teen driver, but there are discounts and certain cars that often cost less to insure for inexperienced drivers.

SelectQuote Can Help You Find the Lowest Car Insurance Premiums

Finding cheap car insurance is just as important as choosing the car you drive, making it crucial to shop around. At SelectQuote, we can compare car insurance coverage and rates from some of the most trusted carriers in just minutes. We’ll learn more about your car and situation and can help you find the right amount of coverage at a price that works for you.

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