Todays new luxury cars come equipped with a growing menu of high-tech driving-assistance options.

Ah, but what if you cant afford a new luxury car?

Youll just have to lower your auto insurance premiums the old-fashioned ways.

A woman wearing a yellow turtle neck drives her car with a friend sitting in the passenger seat. This story goes over how to get cheaper car insurance.

Here are three strategies:

1.

Shop Around

you should probably get quotes from a few different places to double-check youre getting the best deal.

So how do you know which companies to get quotes from?

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We suggest letting someone else do all the hard work for you.

A free website calledSavvywill help you find the best price in just 30 seconds.

In fact, it saves people an average of $826 a year.

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Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Itll even help you cancel your old policy and get you a refund from your current insurer.

If you better establish credit from scratch, look into a secured credit card or credit-builder loan.

Buy a Cheaper Car

In this case, you head in the opposite direction from the high-end luxury car.

Generally, the more expensive the car, the more expensive it is to insure.

you’re able to save money upfront and over time by sticking with cheaper cars.

Typically, that means quality used cars.

All very worthy features.

And the cars suggested price starts at $48,900.

When you log into your bank account, how do your savings look?

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?