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Are gas prices driving you to walk?

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Slow down
According to the U.S. Department of Energy (DOE), each 5 mph you drive over 60 mph costs you an extra $0.15 per gallon for gas. So by reducing your speed, you could be saving the equivalent of $0.20-$0.67/gallon in gasoline.**

Relax and enjoy the drive
DOE estimates that by minimizing our gas-wasting aggressive driving tendencies (like speeding, rapid acceleration and braking), we all could be saving the equivalent of $0.15-$0.96/gallon of gasoline.

Minimize the amount of “stuff” you keep in your vehicle
Too often cars become a storage room. While it may seem convenient, DOE estimates that for every additional 100 pounds in your vehicle you are likely reducing the miles you get per gallon by 1-2% - about $0.03-$0.06/gallon.

Not driving? Turn off the car
The fact is that you get 0 mpg if your car is idling. You’re not going anywhere, but you’re using up precious gas which let’s be honest isn’t cheap. Instead of idling at a drive-up window, why not park the car and go in? Not only is it often faster, but idling in line burns more gas than restarting the engine.

Keep your car maintained and running smoothly
It’s no secret your car was designed with certain minimum requirements for optimal operation and when these minimums are not met your fuel-efficiency suffers. Consider:
  • Your air filters. Your car's air filter keeps impurities from damaging the inside of your engine and helps it continue to operate at its best. By replacing a dirty air filter, you can improve your car's gas mileage by as much as 10 per cent.
  • Your tires. Keeping your tires properly inflated can improve your gas mileage by around 3.3 per cent.
  • Your motor oil. Improve your gas mileage by 1-2 per cent by using the manufacturer's recommended grade of motor oil – use anything otherwise and you’re not getting all you can from your car.

How to save money on your auto insurance

While saving money at the pumps is a real hot-topic nowadays, you can save significant money on your auto insurance too. Follow these simple tips and you'll have most of the tools need to maximize your savings and will certainly help offset the pain your feeling when you pull into a gas station.

Shop around
Rates can vary wildly between insurers. So only by shopping around for auto insurance coverage and getting quotes on premiums from several insurance companies will you know you are getting your car insurance coverage at the best available rate. Don’t pay more than you have to—shop around for your car insurance policy.

Select a higher insurance deductible
A deductible is the amount you pay first before your insurer pays the remaining balance if you should ever have to submit a claim. Often people select lower deductibles, so their out-of-pocket expenses are minimal. But the truth is, the higher your collision and comprehensive deductibles the lower your auto insurance premium. The savings by increasing your deductible to say $1,000 from $250 are significant—you can shave hundreds of dollars off your insurance premium.

Remove or reduce coverage on older vehicles
If your car is getting up there in age, you may want to think about dropping the collision or comprehensive coverage (or both) included on your policy. Before jumping at this tip though, you need to think about this one - it's not always a clear-cut decision. You need to weigh the cost of the two coverages with the value of your car and your deductibles. For example, if you had a 10-year-old car that’s worth about $1000, and your deductible was $1000, the coverage is not actually going to help you.

Ask about discounts
Most insurance companies offer discounts. The more common discounts include the:
  • Multi-vehicle discount - available if you insure multiple vehicles with the same insurer
  • Multi-line discount - available if you insure your home and auto with the same insurer
  • Good driver discount - if you have not had an accident or ticket in a long time
  • Good student discount - if you’re a student with good grades, usually about a B average
  • Safe driver discount - if you’ve taken and passed an accredited driver safety course
  • Anti-theft discount - if your vehicle has certain anti-theft devices installed
  • Safe vehicle discount - if your vehicle has certain extra safety features
  • Retiree discount - if you’ve reached a certain age, usually 50 or 55
  • Low mileage discount - if your vehicle is not driven often
  • Occupational discount - if you work in a certain field or hold a certain degree
  • Auto club discount - if you are a member of an auto club, like AAA
  • Association discount - if you belong to certain associations, like your alma mater
  • Away-at-school discount – if your child is attending school out of town
While the availability of discounts will vary depending on your insurer, where you live and whether you meet the eligibility requirements, asking about them could save you money.

Drive safely
OK, this last one is obvious but true. Driver’s with no accidents, tickets or insurance claims almost always pay less for their auto insurance coverage. Your driving record is an key factor in determining your insurance rate. Tickets and at-fault accidents affect your insurance rates for years. With a less than perfect driving record, you can find yourself paying a lot of extra insurance premium over the years.

It all adds up – get started today
Start saving today and shop around for auto insurance coverage by getting quotes from multiple companies. It’s the best way to know you are getting the coverage you need at a price you can afford. Compare car insurance quotes online instantly today.

**Gas-saving tips list compiled from information found on the website for the U.S. Department of Energy and the U.S. Environmental Protection Agency. This article is intended for general information purposes only. Each situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. Always speak with your current insurance supplier, or a licensed insurance representative, to answer your specific questions.

Disclaimer - The above description/explanation is intended as a guideline only, and is not to be interpreted as a recommendation to buy or sell any insurance products, or to provide legal or financial advice of any kind. Also, Kanetix Ltd. does not warrant or assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process disclosed.

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