Save Money On Your Car Insurance By Going Green

Going green with auto insurance is not only beneficial to the environment and our health, but it can also save you money on your auto insurance and at the pump. The best way to cut down on emissions, fuel costs, and your insurance premium is to simply drive less. Other ways to be more environmentally friendly include driving a hybrid and carpooling.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 3, 2021

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The recent global interest in reducing our imprint on our plant has garnered the interest and support of individuals, non-profit organizations, the government, and even many large insurance companies. It seems that everyone is doing their part, or at least trying to.

‘Going Green’ has many advantages and benefits, not only for the environment and our health, but it can also save you money on your auto insurance and at the pump.  We’ll let you know how this is possible below.

The best way to cut down on emissions, fuel costs, and your insurance premium is to simply drive less. It’s simply that simple! Low mileage can also qualify you for what they call “pleasure driver” discounts. Those that qualify for these pleasure driver discounts can expect to save 10-15% off your auto insurance premium, says the Consumer Federation.

Going Green – Save On Your Auto Insurance and Save The Planet

Below are the best ways to do your part being environmentally-friendly, and save some money on your auto insurance in the mean time:

  • Hybrids – Not only will driving a hybrid save you money on gas, it will now score you additional discounts on your auto insurance coverage with many insurance providers. Not all states offer this incentive so ask your auto insurance provider, it could save you up to 10% off your premium. There’s also a possibility you’ll be eligible for a tax deduction as well.

Some insurance companies are now using hybrids as lender and claims vehicles.

  • Paperless Billing – Opting to receive billing via the web rather than through the postal service greatly reduces the paper used by these companies. It is also far more convenient for many people to get their bills sent to their email inbox, and to have the ability to pay your balance from nearly anywhere in the world. Esurance, a big supporter of paperless billing in the insurance industry, claims to have saved nearly three thousand trees since the program started in 2000.
  • Carpool/Drive LessCarpooling is an effective way of saving money, gas, and the environment well before going green hit the mainstream. By carpooling, you not only cute down on your long, tiring commute, you may also qualify for low mileage auto insurance, which could save you hundreds of dollars a year.

We’re also big believers in driving less all together. We understand that not everyone can walk, bike, or take the bus to work. But driving less when you can makes a huge difference (on your gas bill, insurance bill, and the environment).

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How Can You Reduce Your Mileage?

It’s simple. The most popular way to lower your car usage is to carpool. This provides the best flexibility, and is best for those not fully comfortable with public transportation. However, biking, taking the bus, train, or subway is the best to reduce your impact on the environment.

If you manage to significantly reduce your car usage you may want to consider a pay-as-you-go auto insurance policy. The auto insurance company will track your mileage and only charge you for what you drive. Pay-As-You-Go auto insurance coverage is not available in all states as of yet, but it is catching on. Find out if you qualify for this special pricing scheme by calling your insurance provider today.

Driving a hybrid also qualifies you for a discount with many auto insurance providers. Hybrids use a combination of fuel and electrical energy sources to power themselves, so you’ll already by saving a lot of money on gas. Driving a hybrid, ethanol, flexfuel, biodiesel, or other alternative energy vehicles can net you up to 10% of your premium!

If you can’t afford a hybrid (they are a bit more expensive than traditional vehicles), you can always get a fuel efficient car. They aren’t big, often times they aren’t luxurious, but they are affordable. After all, most people shouldn’t be buying big, luxurious, cars in the current economic state anyway. You will also be reducing your carbon imprint.

These are all in addition to all the environmental benefits of going green. Not only will you be putting less emissions into the air, but you’ll be consuming far less gasoline. This of course will save you a ton of money at the pump.

The current focus on clean energy is likely to produce many more financial benefits for those that want to go green and help save the environment.

These are just a few of the ways you can help reduce the negative impact previous generations have caused on our environment. These are also the most reliable ways to save money on your driving costs and your auto insurance. If you think about it, it truly is a win-win situation for everybody.

Again, this is just the tip of the iceberg when it comes to helping the environment. The above bits of information lean towards the defensive green efforts. Spreading the word, planting trees, and volunteering can make an immense impact on the health of the planet we call home.  Please visit the United States Environmental Protection Agency (EPA)’s website at for more information on how you can help the environment.

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