Do you wish you could pay less for car insurance but simply do not have the time in your busy schedule to spend hours on end shopping around for lower rates? If so, you will be happy to know that there are a few super easy steps you can take to help you score cheap car insurance without needing to invest a ton of time. Read on to learn more about three of these money-saving steps.

Be Sure To Take Advantage Of Safe Driver Discount Apps

Most major auto insurance providers now offer safe driver discounts that you can qualify for by taking advantage of their mobile app. All you need to do in order to score cheap car insurance using these discounts is to download the app on your phone and grant the app the necessary permissions to collect data about your driving habits. This data is sent to your insurance company so they can see what a great driver you are and you are rewarded for your safe driving with a discount on your monthly premiums. 

Pick A Higher Deductible

The deductible associated with your insurance policy represents how much you will need to pay when filing a claim before your insurance company steps in to cover the rest of the bill. The higher your deductible is, the lower you can expect your premium to be. This is because higher deductible policies help to discourage people from filing a claim for small losses since the amount of their deductible will typically exceed the potential payout of the claim. 

While you may think that choosing a higher deductible will leave you paying more in the long run, the truth is that unless you are filing frequent claims a high deductible policy is a great way to save money. This is because the lower premiums you pay each month will offset the higher out-of-pocket expense that comes along with paying your deductible if you do need to file a claim. However, if you do not end up needing to file a claim, you will be able to keep all of the money you have saved over the duration of your policy by simply choosing a higher deductible.

Eliminate Any Unnecessary Coverage

While you certainly do not want to compromise the quality of your coverage in the pursuit of cheap car insurance, you also don't want to spend money on coverage that you don't really need. Oftentimes individuals will find that they have duplicate coverage that they can eliminate in order to save money on their monthly premium. One common example of this is roadside assistance coverage. If you already have roadside assistance coverage through another source, there is no need to be paying for this coverage as part of your auto insurance policy as well.   

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