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I have a 2012 Dodge Avenger and qualified for a teacher discount with Plymouth Rock, bringing my monthly payment down to $93 for full coverage, which would have been $161 without the discount. It definitely pays to ask about specific professional or affiliation discounts you might be eligible for.
Living in Texas, I was paying $127 with State Farm for three cars, but after switching to Progressive, my bill went down to $60 for the same three cars. Shopping around and not being afraid to switch after years with the same insurer saved me over $67 a month.
I only drive my old Saab to take my kid to school, which is about 6 miles a day round trip, so I got liability-only insurance through Mile Auto and pay just $35 a month. If you have a low mileage lifestyle and an older vehicle, minimal coverage can drastically reduce your premiums.
I have had GEICO for years, and even with a 1-year-old car with less than 3000 miles, I pay $150 a month. Sometimes, even with a clean record and low mileage, the rates can still be high with larger, well-known companies, prompting the need to explore less advertised options.
We pay around $45 a month for two cars because our cars are over 14 years old, fully paid off, we both work from home, have no recent accidents, and live in a low/medium cost of living area. All these factors combined can lead to significantly lower insurance costs.
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