10 ways to lower your car insurance bill
Last updated: November 12, 2026
Car insurance prices vary a lot from one company to the next for the same driver and the same car. That means the biggest savings usually come from a few simple moves, not from cutting coverage you need.
1. Compare quotes from several companies
Each insurer weighs things like your age, ZIP code, car and driving record differently. A driver who is expensive for one company can be average for another. Comparing three or more quotes is the single most reliable way to find a lower price.
2. Raise your deductible
Your deductible is what you pay out of pocket on a collision or comprehensive claim before insurance kicks in. Going from a $500 to a $1,000 deductible usually lowers your premium. Only do this if you could cover the higher amount in an emergency.
3. Ask for every discount you qualify for
Common discounts include safe driver, multi-car, good student, paying in full, paperless billing, automatic payments and having anti-theft devices. Discounts aren't always applied automatically, so ask.
4. Bundle with home or renters insurance
Many companies give a discount when you buy auto and home or renters insurance together. Compare the bundled price against separate policies from different companies, because the bundle isn't always cheaper.
5. Try usage-based insurance
Many insurers offer programs that track your driving through an app or a plug-in device. Low mileage and smooth driving can earn a discount. Hard braking and late-night driving can work against you, so it suits careful drivers best.
6. Reconsider collision and comprehensive on an older car
Collision and comprehensive pay to repair or replace your own car. If your car is worth only a few thousand dollars, the yearly cost of that coverage plus your deductible may be close to what you'd ever get back. If you have a loan or lease, your lender will usually require it.
7. Keep your driving record clean
Accidents and tickets usually raise your rate for three to five years. If you've had one, it's worth comparing quotes again once it drops off your record.
8. Work on your credit
In most states, insurers can use a credit-based insurance score when setting your price, and drivers with stronger credit often pay less. A few states ban or limit this. Paying bills on time and keeping balances low can help over time.
9. Drive less, and tell your insurer
If you've started working from home or your commute got shorter, update your annual mileage. Fewer miles can mean a lower rate.
10. Check your rate at every renewal
Prices change, and loyal customers don't always get the best rate. Before your policy renews, take a few minutes to see what other companies would charge.
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DriveCheaper may be paid by companies shown on this site. How we make money. This guide is general information, not insurance advice. Check details with your insurer or your state's insurance department.