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Lower Your Car Insurance Rates

In the market for a car insurance policy? Follow these strategies to keep your auto insurance rates as low as possible.

  1. Comparing prices pays off. Comparison shopping is a must when it comes to finding the lowest insurance rates. Get quotes from at least three or four companies before choosing a policy.
  2. Consider insurance costs before buying a car. If you are about to buy a car, take insurance costs into account when making your decision. Low-profile sedans are typically the cheapest vehicles to insure.
  1. Request higher deductibles. This is a universal principle of insurance policies: higher deductibles mean lower insurance rates.
  2. Pare down coverage on older cars. You can drop comprehensive and collision coverage if you drive an older vehicle that isn't worth much to lower your insurance rates.
  3. Bundle your policies. The multiple-policy discount is an easy way to slash your insurance rates. You might consider buying your home and auto insurance from the same company, for example.
  4. Keep your credit in shape. Bad credit will mean higher car insurance rates, so pay your bills on time and monitor your credit score.
  5. Ask if you qualify for the low-mileage discount. Insurers offer discounted rates for policyholders who drive fewer than a certain number of miles per year. If you don't drive often, ask your insurance agent if you qualify.
  6. Look into group rates. You may be able to get auto insurance through an employer or other organization of which you are a part. Some alumni groups, professional organizations, and other groups offer auto policies to their members at discounted insurance rates.
  7. Don't forget about the discounts. Having an accident-free record can earn you discounted insurance rates, as can a number of other things. Car insurers frequently offer premium discounts to policyholders for vehicle safety equipment, multiple-car policies, and good grades for students.

If you have any questions, please read our Frequently Asked Questions page.