If you’re like most people, your car insurance bill is something you pay each month without giving a second thought.
But that’s a mistake.
Because there’s so much competition — unlike with cable companies, for example — there are lots of discounts available for savvy consumers.
You might know things like raising your deductible or removing collision coverage can save you money on your monthly premiums, but we bet there are a whole slew of other strategies you’ve never heard of.
Here are 3 strange ways to get cheap car insurance.
1. Cancel Your Car Insurance — Now
Car insurance rates are some of the lowest they have ever been. And you probably wouldn’t know that unless you went looking for new insurance last year.
Which means your car insurance company has been letting you auto-pay every month without ever telling you that you could be paying them way less (and why would they?).
What you should be doing is shopping your options every six months or so — it could save you some serious money. Let’s be real, though. It’s probably not the first thing you think about when you wake up. But it doesn’t have to be.
A website called Smart Financial makes it super easy to compare car insurance prices. All you have to do is enter your ZIP code and your age, and it’ll show you your options.
Using Smart Financial, people have saved an average of $715 a year.
Yup. That could be $700 back in your pocket just for taking a few minutes to look at your options .
2. Scratch Your VIN Into Your Windows
Yes, we’re telling you to deface your ride for cheaper insurance.
Cars with their Vehicle Identification Number (VIN) etched into the windows are less likely to get stolen, so many insurance companies offer a discount for completing the process.
Note: this only applies to comprehensive policies, which cover theft, and not on more basic forms of insurance.
Getting this done at the dealership is expensive, so purchase a DIY etching kit online, or contact your local AAA and police departments to see if they have any workshops coming up.
3. Get a Little-Known Discount
Which organizations do you belong to? Where do you work?
Whether you’re a member of AAA or AARP, chances are you can get a discount on your car insurance. Check with your employer and alumni association, too.
Even warehouse clubs like Costco and Sam’s Club have partnerships to get their members discounted rates.
If your car insurance company doesn’t currently give you a discount for things like this, check a site like Zebra.
Zebra will check with 100 car insurance companies to see who will give you the best rate, depending on the the organizations you belong to and where you work.
The Zebra says it saves its users up to $440 a year.
If you find a policy you like, you can sign up online instantly.
Disclosure: Some of the links in this post are from our sponsors.