Smart Summer Savings: The Best Ways to Save Money on Car Insurance This Summer

As the summer months roll in, many drivers hit the road for vacations, trips, and weekend getaways. While the season brings sunshine and adventure, it can also get an unexpected rise in expenses—from gas prices to vehicle maintenance. One area where savvy consumers can find real savings is car insurance. You can reduce your premiums by taking a few proactive steps without sacrificing coverage. Here’s how to save money on car insurance during the summer months.

1. Review and Adjust Your Coverage

Summer is a great time to re-evaluate your current auto insurance policy. Many people carry more coverage than they need, especially on older vehicles. For example, suppose your car’s value has significantly depreciated. In that case, you might consider dropping collision or comprehensive coverage—especially if the premiums outweigh the potential payout in the event of a claim.

You can also increase your deductible—the amount you pay out of pocket before your insurance kicks in. Raising your deductible from $250 to $500 or even $1,000 can lower your monthly premium significantly, though it’s essential to be sure you can afford the higher deductible in case of an accident.

2. Bundle Policies for Bigger Discounts

One of the most effective ways to save on car insurance year-round—but especially useful when summer costs add up—is bundling. If you have renters, homeowners, or other types of insurance, see if your provider offers a multi-policy discount. Bundling your car insurance with another policy under the same company can lead to savings of 10% to 25%.

3. Take Advantage of Seasonal Usage Patterns

If you own a second vehicle that you don’t drive much during the summer—or if you plan to travel for an extended period—you might qualify for a usage-based or parked vehicle discount. Let your insurer know if your car will sit in the garage for weeks while you’re away. Some providers allow you to temporarily switch to a storage-only policy, which can dramatically reduce your premium during non-use.

Additionally, many insurers now offer telematics-based programs that track your driving habits via an app or plug-in device. These programs often reward safe drivers with lower premiums. If you drive less during the summer months (especially if you bike, walk, or take public transportation), these programs could translate your reduced mileage into real savings.

4. Shop Around and Compare Quotes

Summer is a competitive time for insurers, and many companies offer seasonal promotions or discounts. If it’s been over a year since you last compared quotes, now is the perfect time to shop around. Even if you’re happy with your current insurer, getting multiple quotes can help you leverage a better deal or discover new companies with better rates and similar coverage.

When comparing quotes, make sure you’re comparing apples to apples—same coverage levels, deductibles, and benefits—so you can make an informed decision.

5. Look for Summer-Specific Discounts

Some insurance companies offer discounts tailored to the summer season, especially for students or those taking summer courses. Good student discounts, for instance, are often available to full-time students who maintain a high GPA. If your child is away at college for the summer without a car, you may qualify for a student away-from-home discount.

Additionally, if you’re a member of certain clubs, travel organizations (like AAA), or professional associations, you might be eligible for additional savings during the high-travel season.

6. Maintain a Clean Driving Record

While this is valid year-round, it’s imperative in summer when traffic volumes increase, and accident rates tend to spike. A single speeding ticket or fender bender can hike your premium for years. Drive defensively, avoid distractions, and follow speed limits—especially on summer road trips.

If your driving record has recently improved (e.g., violations have fallen off, or you’ve completed a defensive driving course), ask your insurer if you’re eligible for a lower rate. Many companies automatically reassess driving history annually, but requesting a manual review can sometimes trigger an earlier discount.

7. Improve Your Credit Score

In many states, your credit score can influence your auto insurance rate. Summer can be a good time to check your credit report, dispute errors, and pay down balances. A higher credit score signals financial responsibility and can translate into better insurance rates.

8. Install Anti-Theft Devices

With more people traveling and parking in unfamiliar areas during summer, vehicle thefts can rise. Installing anti-theft devices such as steering wheel locks, car alarms, GPS tracking systems, or even a dashcam can deter thieves and often qualify you for a discount with your insurance provider.

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Saving on car insurance during the summer doesn’t require drastic changes—just smart adjustments. From reassessing your coverage to taking advantage of seasonal driving habits and available discounts, a little proactive effort can result in significant savings. Take the time this summer to fine-tune your policy and keep more money in your pocket—so you can spend it on what matters: making summer memories.

For an affordable car insurance quote, contact us today by calling (541) 318-8835 or click here to connect with us online.