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  • Writer's pictureJohnathan McGee

How to Lower Your Car Insurance Premiums: Tips and Tricks

Car insurance can be expensive, and it can be frustrating to see your premiums increase year after year. However, there are many ways to lower your car insurance premiums without sacrificing coverage. Here are some tips and tricks to help you save money on car insurance.


  1. Shop around: Don't assume that your current insurance company is offering you the best deal. Shop around and compare rates from multiple insurance companies to find the best price for the coverage you need.

  2. Raise your deductible: Raising your deductible – the amount you pay out of pocket in the event of a claim – can lower your monthly premiums. Just be sure you can afford to pay the deductible if you need to file a claim.

  3. Maintain a good driving record: Many insurance companies offer safe driver discounts for drivers with no accidents or violations on their record. Follow traffic laws, avoid distracted driving, and take a defensive driving course to improve your driving skills and earn discounts.

  4. Drive a safe car: Cars with advanced safety features, such as anti-lock brakes, airbags, and collision avoidance systems, can be cheaper to insure than older or less safe models.

  5. Bundle your policies: Bundling your car insurance with other policies, such as homeowners or renters insurance, can often result in discounts on your overall premium.

  6. Reduce your coverage: If you have an older car that isn't worth much, consider dropping comprehensive and collision coverage. These coverages can be expensive and may not be necessary for an older vehicle.

  7. Pay your premium upfront: Paying your premium upfront instead of in monthly installments can often result in a discount.

  8. Drive less: If you don't drive your car often, you may be eligible for a low-mileage discount. Talk to your insurance provider to see if you qualify.

  9. Improve your credit score: Many insurance companies use credit scores to determine premiums. Pay your bills on time, reduce your debt, and monitor your credit report to improve your score and potentially lower your premiums.

  10. Ask about other discounts: Many insurance companies offer discounts for a variety of reasons, such as being a member of certain organizations, being a good student, or having multiple cars insured with the same company. Ask your insurance provider about any discounts you may be eligible for.


In conclusion, there are many ways to lower your car insurance premiums without sacrificing coverage. By shopping around, raising your deductible, maintaining a good driving record, driving a safe car, bundling policies, reducing coverage, paying your premium upfront, driving less, improving your credit score, and asking about other discounts, you can potentially save money on your car insurance. Remember, the most important thing is to have the coverage you need to protect yourself and your car on the road.


Service First can help you save on your auto insurance today. Click here for an unbeatable quote.

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