That said, there are also plenty of things you shouldn\u2019t<\/em> do when trying to save on car insurance. Cutting coverage too far, misstating facts on your application, or choosing a deductible you can\u2019t afford can backfire. And contrary to some viral tips, there isn\u2019t a reliable \u201ccheapest month\u201d to buy auto insurance; current evidence shows pricing is driven by loss costs and regulatory filings over time rather than month\u2011of\u2011year effects (BLS CPI methodology<\/a>; CCC Crash Course 2025<\/a>). Take a moment to learn about the five most common cheap car insurance mistakes and make sure you\u2019re protected where it counts.<\/p>\n\n\n\n Oftentimes, people equate \u201ccheap car insurance\u201d with \u201cbuying the minimum legal limits.\u201d That can be risky because state minimums vary, have changed in several places, and often don\u2019t cover serious losses. For example, California\u2019s minimum liability increased to 30\/60\/15 for policies effective January 1, 2025, with another step to 50\/100\/25 scheduled for 2035 (California Vehicle Code \u00a716056<\/a>). Virginia\u2019s minimums increase to 50\/100\/25 in 2025 and the state eliminated its uninsured motor vehicle fee on July 1, 2024 (Virginia DMV<\/a>). New Jersey raised Standard Policy minimums in 2023 and increases bodily injury minimums again in 2026 to 35\/70 (property damage remains 25) (NJ DOBI<\/a>). Requirements also differ by regime: Florida requires PIP $10,000 and PDL $10,000 but generally not BI liability (FLHSMV<\/a>); New York requires liability 25\/50\/10, PIP $50,000, and UM at least 25\/50 (NY DMV<\/a>); Texas requires 30\/60\/25 (Texas DOI<\/a>); New Hampshire doesn\u2019t mandate auto insurance but expects drivers to meet financial responsibility if they cause a crash (NH DMV<\/a>).<\/p>\n\n\n\n Justin Lovely, a personal injury lawyer at The Lovely Law Firm<\/a>, shares this rule of thumb for choosing the right coverage levels: \u201cAn easy way to figure it out is to determine how much property you have. For instance, if you own a $300k home, a $50k boat, and two cars at $50k, you need to have liability insurance for $400k, the value of your potential assets to lose.\u201d In practice, many drivers choose limits higher than the legal minimum so one at\u2011fault crash doesn\u2019t expose savings or future wages. If you live in a no\u2011fault\/PIP state or one that mandates UM, verify the required first\u2011party benefits and UM\/UIM on your state\u2019s official page (e.g., Florida<\/a>; New York<\/a>). <\/p>\n\n\n\n Pro tip:<\/strong> When requesting quotes online, most companies let you toggle limits to see the price impact. Use your state\u2019s published minimums as a baseline, then quote higher limits and add\u2011ons like UM\/UIM or PIP where applicable. Official pages (e.g., Virginia DMV<\/a>, California law<\/a>, NJ DOBI<\/a>) clarify what\u2019s required now and what\u2019s scheduled to change.<\/p>\n\n\n\n It might be tempting to fudge the numbers just<\/em> a little on your car insurance application. You could save by leaving off that pesky speeding ticket, for example, or answering \u201cyes\u201d to a few discounts you don\u2019t actually qualify for.<\/p>\n\n\n\n Here\u2019s the thing: It doesn\u2019t work. Insurers verify applications using driver record data and specialty consumer reports such as CLUE for prior auto\/property claims (CFPB: specialty consumer reports<\/a>). Material misrepresentation can trigger re\u2011rating, cancellation\/nonrenewal, claim denials, or policy rescission under state property\/casualty law. Representative statutes: New York permits avoidance for a material<\/em> misrepresentation that would have affected issuance or price (NY Ins. Law \u00a73105<\/a>), and California allows rescission for material concealment or false material representation even if unintentional (Cal. Ins. Code \u00a7331<\/a>). Application fraud is a crime in every state (NAIC<\/a>). Life and health insurers also use MIB to flag inconsistencies (consumers can request their file) (MIB<\/a>), and while that database focuses on life\/health, the takeaway is the same: data\u2011driven checks make it likely that misstatements will be found.<\/p>\n\n\n\n Choosing a higher collision or comprehensive deductible is one of the most common ways to save on car insurance. Deductibles can be as high as $2,000, though customers generally see the biggest savings<\/a> when jumping from $500 to $1,000. Current market data shows roughly 5\u201310% lower overall premiums on average when moving from a $500 to $1,000 auto deductible, and about 12\u201320% when moving from $500 to $2,000\u2014your results vary by state, company, and how much of your premium is in physical damage coverages (The Zebra 2025<\/a>; Bankrate 2025<\/a>). Deductible changes affect collision\/comprehensive only; liability, PIP\/MedPay, and UM\/UIM premiums are unaffected (Triple\u2011I<\/a>).<\/p>\n\n\n\n For those that are on the fence, think about it this way: a lower deductible typically means a higher premium spread across the year, while a higher deductible requires you to produce more cash at claim time<\/em>. If paying a $1,000 or $2,000 deductible today would create hardship, the \u201csavings\u201d from choosing it can vanish quickly if you need repairs after a loss.<\/p>\n\n\n\n If a bigger deductible would take a toll on your wallet (and potentially leave you without transportation), then it makes sense to pay a little more each year and protect yourself in the event that you have to file a claim. Savings also vary by market and insurer, and very high deductibles may not be available in every state or program, so ask your agent to quote several options side\u2011by\u2011side to see your personal curve (Bankrate 2025<\/a>; The Zebra 2025<\/a>).<\/p>\n\n\n\n You may have heard that it\u2019s cheapest to buy car insurance during a certain month or season. One older study by InsuranceQuotes.com<\/a> has been widely cited, but up\u2011to\u2011date evidence shows personal auto pricing in 2025 is dominated by loss\u2011cost inflation and regulatory rate filings rather than consistent month\u2011of\u2011year discounts. The Bureau of Labor Statistics explains that motor vehicle insurance changes are reflected as policies renew over time, dampening any simple \u201cbuy in month X\u201d savings pattern (BLS CPI methodology<\/a>). Repair and total loss costs have remained elevated post\u2011pandemic, pushing rates across months rather than creating predictable seasonal discounts (CCC Crash Course 2025<\/a>).<\/p>\n\n\n\n While individual experiences vary by driver, vehicle, and location, industry tracking shows seasonality more in shopping volumes and marketing than in base prices. In short, there\u2019s no robust, repeatable \u201ccheapest month\u201d for consumers in current data; prices move with filings and underwriting cycles, not the calendar.<\/p>\n\n\n\n In reality, the best time to buy car insurance is when you purchase a new vehicle or when your current policy expires<\/strong>. It\u2019s important to be insured right away. Not only is it impossible to know when an accident might occur, but trying to time the market can leave you uninsured or underinsured. Maintaining continuous coverage also helps many shoppers avoid lapse\u2011related surcharges.<\/p>\n\n\n\n Pro tip:<\/strong> Instead of searching for the “cheapest” month, shop before your policy expires and look for advance\u2011quote\/early\u2011signing style discounts tied to getting a quote and\/or binding days before the effective date. Examples: Allstate (Early Signing)<\/a>, Nationwide (Advance Quote \u2013 e.g., at least 8 days before the effective date)<\/a>, Travelers (Early Quote)<\/a>, Liberty Mutual (Early Shopper)<\/a>, and American Family (Early Bird)<\/a>. These incentives are filed by state, amounts vary by program, and not all carriers offer them (e.g., GEICO<\/a> does not list an advance\u2011quote discount). If you drive safely and fewer miles, also consider telematics\/usage\u2011based programs that provide an enrollment discount and then adjust at renewal based on behavior (LexisNexis 2024 Trends<\/a>).<\/p>\n\n\n\n Price is likely to be the deciding factor between any two companies with similar coverage. However, it shouldn\u2019t be the only<\/em> thing you consider when comparing insurers. There\u2019s a lot to be said for companies with a strong customer service record and good claims handling, too. Recent studies show auto claims satisfaction improved modestly year over year but still trails pre\u2011pandemic highs; communication quality, settlement clarity, and repair timeliness drive the biggest differences in experience (J.D. Power 2024<\/a>).<\/p>\n\n\n\n \u201cYou can buy cheap insurance anywhere\u201d says John Espenschied, Agency principal and owner of Insurance Brokers Group<\/a>. \u201cBut if you find out that the provider isn\u2019t able to adequately handle your claim, you might be disappointed in the settlement if and when you need to use your insurance.\u201d<\/p>\n\n\n\n Before committing to an insurer based on price alone, check out its track record. You can vet customer satisfaction through Consumer Reports\u2019 auto insurance survey<\/a> and find claims handling scores at J.D. Power<\/a>. Corroborate performance with the NAIC complaint index<\/a>. If a company\u2019s ratings make you squirm, it\u2019s worth looking into other options. Service may mean the difference between a smooth, easy claims payout and a paperwork nightmare that only adds to the stress of an accident.<\/p>\n\n\n\n Pro tip:<\/strong> Skip the legwork and check out our review of the best cheap auto insurance<\/a>, where we\u2019ve evaluated top providers based on service, claims satisfaction, coverage, discounts, and more.<\/p>\n\n\n\n When it comes to car insurance, some things are simply given: Younger drivers pay more than older drivers, risky drivers pay more than safe ones, and bare-bones policies cost less but also pay<\/em> less after a disaster. There\u2019s no reliable \u201ccheapest month\u201d to buy coverage in current data; pricing reflects loss costs and regulatory filings that flow through renewals over time (BLS CPI<\/a>; CCC Crash Course 2025<\/a>). Also remember that legal minimums vary by state and have changed recently in several places: California (30\/60\/15 effective 2025; 50\/100\/25 scheduled for 2035), Virginia (50\/100\/25 in 2025; UM fee eliminated 2024), and New Jersey (Standard Policy step\u2011up again in 2026) \u2014 verify details on your state\u2019s site (CA<\/a>; VA<\/a>; NJ<\/a>).<\/p>\n\n\n\n Luckily, there are plenty of ways that you can<\/em> save on your car insurance. Shop around at renewal, avoid coverage gaps, consider telematics\/usage\u2011based programs if you\u2019re a safe or lower\u2011mileage driver (LexisNexis 2024 Trends<\/a>), and evaluate higher deductibles only if you can afford them at claim time \u2014 moving from a $500 to $1,000 deductible typically reduces overall premiums about 5\u201310% on average, with larger jumps to $2,000 commonly around 12\u201320% (The Zebra 2025<\/a>; Bankrate 2025<\/a>). If you\u2019re switching, plan ahead to qualify for advance\u2011quote\/early\u2011signing style discounts where available (requirements and amounts vary by state\/program; see carriers cited above).<\/p>\n\n\n\n How to Get Cheap Car Insurance Safely If you\u2019re paying too much for your policy, finding cheap car insurance might feel like chasing the white whale. But don\u2019t despair \u2014 there are proven, research-backed ways to lower premiums and keep strong protection. Common levers include right\u2011sizing your deductibles (moving from a $500 to $1,000 auto […]<\/p>\n","protected":false},"author":345,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"\n![\"5](\"https:\/\/assets.reviews.com\/uploads\/2018\/12\/18135327\/Mistakes-1-768x462.jpg\")
<\/figure>\n\n\n\n1. Don\u2019t cut coverage in order to cut costs<\/h3>\n\n\n\n
2. Never bend the truth on your application<\/h3>\n\n\n\n
![\"Cheap](\"https:\/\/assets.reviews.com\/uploads\/2018\/12\/18135325\/Mistakes-2-768x386.jpg\")
<\/figure>\n\n\n\n3. Avoid a deductible that you couldn\u2019t pay today<\/h3>\n\n\n\n
4. Forget the idea of a \u2018cheaper\u2019 time to insure<\/h3>\n\n\n\n
5. Don\u2019t let price be your only consideration<\/h3>\n\n\n\n
![\"Cheap](\"https:\/\/assets.reviews.com\/uploads\/2018\/12\/18135323\/Mistakes-3-768x385.jpg\")
<\/figure>\n\n\n\nThe Bottom Line<\/h2>\n\n\n\n