How can I get my insurance to lower?


Editorial team Published on

You can make your insurance cheaper by comparing quotes from multiple companies and adjusting your policy details like deductibles and coverage levels.

Compare Quotes and Shop Around

  • Compare rates yearly: Look at quotes from at least three different companies before you renew. Prices change constantly, and another insurer might offer a better rate for your driving history.
  • Use independent agents: Consult an independent insurance agent who can look for lower rates by quoting across multiple companies at once.

Adjust Your Policy and Coverage

  • Increase your deductible: Raise your deductible from a lower amount like $500 to $1,000 to lower your monthly premium, but make sure you have that cash saved for an emergency.
  • Drop unnecessary coverage: Drop collision and comprehensive coverage if you drive an older car and the annual cost of coverage is more than 10% of the car's total value.
  • Update your mileage: Report a lower annual mileage if you drive less due to working from home or retirement.

Maximize Discounts

  • Bundle your policies: Combine your auto insurance with your home or renters insurance to save up to 30%.
  • Take a defensive driving course: Complete an approved defensive driving or mature driver course to earn policy discounts.
  • Enroll in safe-driving programs: Sign up for driver monitoring apps or telematics programs that track your safe driving habits to lower your bill.
  • Ask for small discounts: Sign up for paperless billing, autopay, and pay your annual premium in full rather than monthly.