General, plain-language tips to help you have a more informed conversation with your insurer. Savings vary by driver, insurer, and state.
Combining auto insurance with home or renters insurance under the same insurer can lower your overall cost.
Ask your insurer whether this applies to you.
Insuring more than one vehicle with the same insurer may qualify your household for a discount.
Ask your insurer whether this applies to you.
A higher deductible usually lowers your premium, but means you pay more out of pocket if you file a claim.
Ask your insurer whether this applies to you.
A clean driving record or driving fewer miles per year may qualify you for lower rates.
Ask your insurer whether this applies to you.
Some insurers offer usage-based or telematics programs that track driving habits in exchange for potential discounts.
Ask your insurer whether this applies to you.
Paying your premium in full instead of in installments may reduce fees or qualify you for a discount.
Ask your insurer whether this applies to you.
As a car ages, the cost to repair or replace it may no longer justify certain coverage levels, like collision or comprehensive.
Ask your insurer whether this applies to you.
Rates can change from year to year, even with the same insurer. Comparing quotes at renewal time can reveal better options.
Ask your insurer whether this applies to you.
Avoiding accidents and violations over time can help you qualify for better rates.
Ask your insurer whether this applies to you.
Good student discounts, military service discounts, and affiliations with certain professional or alumni groups may lower your rate.
Ask your insurer whether this applies to you.
Use our rate comparison checklist to compare quotes from insurers, or sign up for optional text reminders.