How to Budget Family Auto Insurance

Michael Christensen
2 min readJan 4, 2021


Although car insurance is a necessity, many families feel the strain of this extra expense each month. Most states require car owners to have some form of auto insurance, whether the driver is single or has a family. Add other factors such as teenage drivers or previous accidents to the mix, and families can easily see this expense rise exponentially. Fortunately, there are steps each household can take in order to budget for their cars and get auto insurance for the best price.

Preventative Measures

The first step in getting car insurance for the best price involves preventative measures. Each head of the family should review their credit reports and make sure that they maintain a good credit score. This includes paying bills on time and making sure there are no errors on credit reports so that you can get a better auto rating. Families should also take steps to avoid accidents and traffic violations. This includes educating all family members on driving safely to avoid unnecessary hikes in the auto bill.

Families should also research other details to lower the car insurance rating. In many states, cars parked in garages or covered parking automatically means a lower insurance rate is possible. This is because insurance companies consider these cars under less risk for damage than cars parked in streets or driveways. Families should also review their current auto bills to make sure they have no unnecessary coverage or useless benefits that raise rates too high.

Auto Insurance Reviews

A great way to research car insurance companies is to read over provider reviews. These reviews can be found on reputable sites where you can compare different companies all at once. These sites will contain overall rating, current customer testimonials, and average rate. You will want to compare quotes from different companies to determine if your family is getting the best rate.

Direct Auto Insurance

Direct car insurance is another way to get the best quotes. In the past, many people have gone through banks or sales persons to get their rates. However, when you get quotes online, you can get direct ratings from the top insurance companies. Comparing each company side by side will then allow you to see the real deal, rather than only what your salesperson wants to tell you. Going direct by quoting your policy online means that you can find the best rates for your budget.

Originally published at on January 4, 2021.



Michael Christensen

With more than 20 years in tech — now I am writing about various topics. Affilliate links are added in some articles. Love tech and love to help people.