How to get car insurance lowered?


Editorial team Published on

You can lower your car insurance costs immediately by comparing at least three competing quotes on platforms like The Zebra or Insurify.

📊 Adjusting Coverages & Deductibles

  • Increase deductibles:
    • Raise from $500 to $1,000
    • Saves roughly 15% to 40% on premiums
  • Drop optional coverage:
    • Remove collision/comprehensive on cars worth less than 10x the premium
  • Keep high liability:
    • Maintain robust liability limits to protect personal assets

💡 Maximizing Discounts

  • Bundle policies:
    • Combine auto and home or renters insurance
    • Saves between 5% and 30%
  • Pay in full:
    • Pay your entire annual or 6-month premium upfront
    • Avoids monthly installment fees or interest
  • Update mileage:
    • Report lower annual mileage if you drive less or work remotely

🚗 Changing Driving Habits & Programs

  • Telematics apps:
    • Enroll in safe-driving monitor programs (e.g., GEICO DriveEasy, Progressive Snapshot)
    • Saves up to 10%–30% for good driving behavior
  • Defensive driving:
    • Complete an accredited defensive driving course
    • Saves an extra 5% to 15%