What’s Your Savings Mantra? Use It to Save Money on Car Insurance.

Parenting styles—we all know them, and we all have our own. There are helicopter parents, free-range parents, “We’re buds!” parents, and “You don’t talk to you elders that way!” parents. No style is best, and no style is wrong. It just comes down to how we choose to make it through this whole parenting thing—which is exactly how it works for saving money, too.

What works for one family may not work for another. We know plenty of families maxing out the 529 plans at the expense of family vacations. We know families maxing out 401ks at the expense of 529s. And we know families who are making the best financial decisions they can, day by day, and just living in the moment with their kiddos. Again, no style is best, and no style is wrong.

To help you find the easiest, most natural ways for you to save, we took a look at the discounts we tailor for our Apparent members and matched them with different saving mantras. Which ones work best for you?

Get More Bang for Your Buck.

You’re the kind of person who’s probably reading this while waiting in line at Costco. Bulk discounts are your jam, and you’ve saved your family crazy amounts of money with your strategy. So for you, it’s a no-brainer. You can save up to 25% with our Multi Car Discount, and even more than that if you want to bundle it with homeowners, renters, or life insurance.

Waste Not, Want Not.

The only thing that annoys you more than your child throwing away a plate of perfectly good food is wasting money or paying for things you don’t use (expensive 8-in-1 kitchen gadget, we’re looking at you!). For you, we recommend calling us, if you have Apparent, and asking to lower your mileage on your policy. Or, in this era of remote working, change your car status from “Business” to “Pleasure.” We’re likely to have some very pleasing savings to send your way. And if you don’t have Apparent, start your quote!

Trust, But Verify.

You, savvy shopper, know that it’s all too easy for companies to pull the wool over customers’ eyes — to promise one price now, but tack on fees or increases over time. For you, we recommend shopping around. Every year do a quick browse of car insurance companies and what prices they offer. Because what was the lowest price last year may not be this year: you can save hundreds with this simple annual exercise.

Prepare for a Rainy Day.

You’ve known the pain of sleep regressions with your babies. Just when you think you’ve got things under control; life throws you a curveball. So you know better than to get too comfy, especially when it comes to finances. You’d rather pay a little more now so that you’re even more protected down the line. Which is why we recommend checking out our upgraded accident forgiveness. It likely makes sense for you, your partner, and, especially, your teen driver.

Play the Field.

You don’t owe anything to anybody, right? What works for you now might not work tomorrow, and you’re not scared to shake things up. We get it, and for you, we recommend buying a 6-month policy for your car insurance. That way, you’re free to lock in a lower rate if you find one. But just to play totally unbiased devil’s advocate for a second—Apparent offers some pretty sweet loyalty perks for yearlong policies and has consistently low rates to boot.

Rip Off the Band-Aid.

Practical and patient, you romanticize the pre-credit-card era. If you’re going to buy something, you’re going to pay for it up front. Even if it means pinching pennies until you can finally afford what you’ve been eyeing. And it’s a good way to live, knowing you’re making measured decisions and never spending what you don’t have. With Apparent, paying your policy in full can lead to discovering new discounts. But, knowing your style, you are on the hunt already.

The best part is that all these approaches aren’t mutually exclusive. All of them can live harmoniously in one family car insurance policy. And for those of you who are competitive, it can feel like a game to see how much you can save. So, go ahead—repeat your mantra and see how much you can save.