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What are the best ways to reduce your car insurance rates?
I know I'm supposed to shop around to get the best rates, but what other tips should I consider to pay less for insurance?
Carol Chung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
First, you can pay a higher deductible to lower your premium. For example, you could raise your deductible to $1,000 from $500. But you want to make sure you have enough money set aside to pay it in case you file a claim.
Second, if you have an older car, you may want to consider dropping
collision coverage
and comprehensive coverage
. Having these coverages on a car with a lower value may not be cost-effective.Third, you can bundle your car insurance with your home or renters insurance. Most providers offer a discount if you buy more than one policy from them.
Fourth, you should try to maintain a good credit record. Car insurance companies tend to give more favorable rates to drivers with good credit because they’re less likely to file claims.
View full answer
- Gregory R.
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