How can I reduce my car insurance?

Reducing your car insurance rates is easy. You can Change your deductible and ask your company for discounts. Comparing car insurance rates can save you up to $859.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • There are a few things you can do to lower your car insurance rates
  • Inform your insurance agent about any major life changes such as a new marriage
  • Drop unnecessary coverage such as collision or comprehensive insurance
  • Improve your driving skills by taking a defensive driving class
  • Compare rates from different companies and save up to $859.

Have you ever wondered if you could make some small changes to reduce the price you pay for car insurance?

Small changes can have an impact on the amount of money you have to pay for car insurance.

When it comes to car insurance, there are a few things that you can do to help you save money.

To find great rates on car insurance enter your ZIP code into our FREE rate finder today!

Make Small Adjustments to Your Policy

When you speak to your agent, check and see what kind of coverage you have and what the deductibles are for your policy.

If you have collision coverage on a very old beat up car, this may be costing you more than it’s worth.

Check the value of your car at Kelly Blue Book to find out what the insurance company might pay you for your car if it were totaled in an accident.

If this amount is less than you have in savings, it might be wise to consider dropping collision coverage and put that money into your saving account.

Another small change to your policy could be dropping comprehensive coverage. Comprehensive coverage pays for all damages to your car that are non-accident related.

Today, many companies are offering their clients the ability to have their payments automatically deducted from their checking accounts.

Some companies even offer a discount to their clients who opt for this service.

Paying quarterly, semi-annually, or annually is another way to save money. By paying less frequently, you pay fewer processing fees.

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If You Are in Transition

If you are in the processing of moving to a new place to live, choose an area in a good neighborhood with a garage.

The decisions you make concerning where you live affect more than your location.

Choosing a dwelling with a garage or carport may reduce your cost of insurance, as this protection reduces the chances of damage to the car.

Your rate is also figured on the number of miles you travel to work. The more miles you travel, the higher your insurance will be.

Some companies offer discounts for lower mileage drivers.

Another factor that is integrated into your rate is whether you live in a highly congested metropolitan area or a rural area.

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Carefully Consider Who is Your Primary Driver

When insurance companies look to issue policies, they are looking at a variety of factors. Age and experience play heavily into the equation.

Cars driven by older people with good driving histories are going to garner lower rates on car insurance.

If the primary driver of a car is a teenage boy with no experience, the rate will always be high because the probability that he will get into an accident is much higher.

Choose instead the oldest person, who preferably will have the best driving record as your primary driver.

Then specify how much time the secondary drivers will be operating the vehicle; if teens are only driving the car less than 10%, you may get a lower rate.

Improve Your Credit Score

With everything that has gone on with the economy, many people have taken some hard financial hits to their credit score.

If your credit score was one of those, there are some simple things that can improve your score:

  • Pay your bills on time
  • Keep the balances on your credit cards low
  • Do not open new credit accounts
  • Pay off debt instead of just moving it to another card
  • Protect your credit from fraud

Making these small changes to improve your credit score will make a difference.

At, you can get a copy of your current credit report. Go over this report to ensure its accuracy.

Without checking this report, you could go years paying more than you should because of a simple error.

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Take a Driving Class

According to, a leader in legal information on the web, driving classes are another small thing you can do that has long-term affects on the amount you pay for car insurance.

When considering whether to take a driving course, weigh the cost of the course against the expected savings to see if you come out ahead and by how much.

Driving classes vary in length, what they cover, and how much they cost. Pick the one that best meets your needs.

These classes are designed to reinforce good driving habits and to prepare you for the unexpected.

As you can see, just by making a few adjustments, you may be able to reduce your premiums.

Click here to type your ZIP code into our FREE rate finder to compare insurance companies in your area!



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