Unless you happen to live in a major city, having a vehicle is probably essential. However, that doesn’t mean transportation has to eat up a significant portion of your budget. By following a few simple tips, you can save considerably on the purchase of your car, truck, or SUV as well as on its maintenance costs and auto insurance premiums. Here are four categories with savvy strategies for saving. 

How to Save on Your Car, Truck, or SUV

1. Purchase

Buying a pre-owned vehicle will save you thousands. This is the single most effective way to save on your car purchase. Look for the smallest car that will meet your family’s needs, and consider forgoing trim packages and unnecessary features that hike up the cost without contributing to the vehicle’s overall function in a significant way. 

2. Maintenance

Scheduling regular tuneups will allow your mechanic to address minor issues before they evolve into major problems. It’s also important to follow the manufacturer’s recommendations regarding periodic maintenance like oil changes, air filter replacements, and tire rotations. Failing to maintain your vehicle will speed up the normal wear and tear until you’re forced to make costly repairs just to get it running again. 

3. Gas

Unless you live in New Jersey or Oregon, pump your own gas to save every time you fill the tank. Self-serve stations are up to 10% cheaper than full-service ones. You should also plan your errands strategically to avoid making unnecessary trips. Additionally, use a rewards credit card if you can to make the most of every purchase. Cashing in the points for something you would’ve purchased anyway could save you hundreds of dollars a year. 

4. Insurance 

Maintaining a clean driving record is the most effective way to get affordable auto insurance premiums. Other ways to save include shopping around, purchasing a vehicle that's relatively cheap to cover, and increasing your deductible. It’s also wise to take advantage of the various discounts that apply to you. For example, many insurers offer reduced rates for those who bundle their policies. There are also special auto insurance discounts for different demographics, such as students. 

When you’re ready to purchase auto insurance for your car, truck, or SUV, turn to Lafever Insurance Agency in Cookeville, TN. Backed by more than three decades of experience, this company is proud to provide affordable insurance for clients throughout Putnam County. Whether you need coverage for a car, motorcycle, or mobile home, you can count on them. For prompt car insurance quotes, call (931) 526-3377.