The fastest ways to lower car insurance are to compare quotes from another company, bundle auto with renters or home, raise your collision and comprehensive deductibles, drop coverage you don't need on older cars, and claim every discount you qualify for. Most drivers who do these save hundreds of dollars a year.
1. Compare your rate against another company
Insurers price the same driver differently. If you haven't shopped in two years, you're probably overpaying. A quote takes about two minutes and uses a soft credit check that does not affect your score.
2. Bundle auto with renters, home or condo
Multi-policy discounts are among the largest an insurer offers. Even an inexpensive renters policy can earn the discount.
3. Raise your deductible
Going from a $500 to a $1,000 collision deductible meaningfully lowers the premium. Only do it if you could cover the deductible tomorrow.
4. Review coverage on older vehicles
If a car is worth less than ten times the annual cost of collision and comprehensive, consider dropping them. Keep liability and UM.
5. Ask about every discount
Good driver, good student, multi-vehicle, defensive driving course, military, federal employee, anti-theft, paperless, paid-in-full and automatic payments are common.
6. Keep coverage continuous
A lapse, even for a few days, usually raises your next rate. If you're switching companies, start the new policy before cancelling the old one.
7. Drive clean for three years
Most tickets and at-fault accidents affect your rate for three years, five in some states. The surcharge drops off on its own.
8. Report lower mileage
If you now work from home or commute less, tell your insurer. Lower annual mileage can lower your premium.
9. Improve your credit
Florida, Georgia, Alabama, South Carolina and North Carolina all allow credit-based insurance scores. Better credit generally means better rates.
10. Choose the right car
Safety ratings, repair costs and theft rates all factor into premiums. Check insurance costs before you buy.
11. Pay in full or set up autopay
Many insurers discount policies paid in full or on automatic payment, and you avoid installment fees.
12. Re-shop after life changes
Moving, marriage, buying a home, a teen leaving for college or turning 25 can all change your rate. Each is a reason to compare again.
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Frequently asked questions
How much can I save by switching car insurance?
It varies widely, but it's common for drivers to save several hundred dollars a year, especially if they haven't compared rates in a few years.
Does getting a quote hurt my credit?
No. Insurance quotes use a soft inquiry that doesn't affect your score.
Is it worth switching mid-policy?
Often yes. Most insurers refund the unused premium when you cancel, and starting the new policy first avoids a lapse.