Car insurance is a necessity, but it doesn’t have to break the bank.

These days, every motorist is looking to save on their auto insurance premiums. Fortunately, from brand new permit-holding teens to aging seniors, there are plenty of ways in which your car insurance doesn’t have to break the bank, cost a fortune, or any other financial metaphor. 

Check out these ways you may be able to save on your auto insurance:

Choosing Your Car:

  • Pick a car with a high rating of safety features (dual airbags, motorized seatbelts, anti-lock brakes, anti-theft devices, and daytime running lights).
  • Selecting a hybrid or ‘green’ car may mean you receive discounts on your premiums.
  • Flashy, brand new, and expensive cars will cost more to insure as they would cost more to repair and replace.


  • Good Student Discounts apply for those receiving good grades in school or college.
  • Good Driver Discounts are available for those who have sustained a clean driving record.
  • Senior Discount is for mature drivers, typically over the age of 50 or 55.
  • Military Discounts may be available for the individual, or the family.

Selecting Your Policy:

  • Bundle your insurance policies together as insurers will often reduce rates if you insure your home, auto, RV, watercraft, and more with them.
  • Increase your deductible – but only if you can afford to pay that cost out of pocket should an accident occur.
  • Drop collision coverage if you have an older car that has little monetary value.
  • Review your insurance annually, as your lifestyle changes.
  • Park your car in a garage as some insurers will let you save a couple of dollars this way.
  • Install a driver monitoring device to track your mileage, speed, and frequency of driving.

Contact the professionals at Tompkins Insurance Agencies today to review options for saving on your auto insurance policy!