How to Lower Your Car Insurance Rates

Getting cheaper auto insurance is easier than most people think. It doesn’t need to take a lot of time, either. All you need is a smartphone or internet-connected device and less than 30 minutes. You can compare multiple quotes in five minutes or less at Young America Insurance Company, online or over the phone, for a quick rate check. Let’s walk through some practical strategies to lower your car insurance rates and help you keep more of your hard-earned money.

1. Get Rid of Unneeded Coverage

Your auto insurance policy might be full of features you don’t need and, worse, lead to overpayments. Many drivers never review their policy to look for unnecessary coverage that can be removed. Start by reading your policy carefully and identifying any coverage that no longer applies to your situation.

Here are some of the things you can consider getting rid of on your policy.

Roadside Insurance

Some credit cards or lenders offer free roadside assistance and towing. If you already have AAA or similar protection, you can remove this from your policy to save money.

Rental Car Coverage

Many credit cards offer rental car insurance. Review your card’s benefits or call customer service to confirm. Removing this feature can save around $50 annually.

Collision and Comprehensive on Older Vehicles

If your car has depreciated significantly—say, over 60%—it may not be worth keeping expensive collision or comprehensive coverage. Adjust or remove this coverage and convert savings into solid investments.

Remove Non-Drivers From the Policy

If someone listed on your policy no longer drives your car, such as a former spouse or a child away at college, you may be able to eliminate these drivers from your policy. This simple change could save you $100 or more per year.

Changes can often be made online, but calling a representative ensures immediate confirmation. To make these updates, you typically only need your policy number and vehicle info, to make the changes you want in less than 15 minutes. Always verify the updated premium on your next bill and double-check the revised policy declaration and the new, lower premium amount.

2. Be A Safe Driver and Lower Your Car Insurance Rates

One of the easiest ways to get better deals for insuring your vehicle is to stay ticket and accident-free. The fewer violations and accidents on your record, the lower your rates. If you receive a traffic ticket, attending traffic school (if eligible) may help keep it off your driving record. Never drive under the influence. A DUI conviction can be especially costly for younger drivers, leading to much higher premiums. DUI convictions often lead to policy cancellation and force you into high-risk insurance.

3. Maintain a Good Credit Score

In many states, a strong credit score can help you secure lower auto insurance premiums. Check your credit report regularly for accuracy. Dispute and fix any errors to boost your score over time. Good credit will help you get cheaper car insurance and reduce financing costs for big-ticket items, like a new car or home. However, some providers also offer car insurance options for drivers with no credit check, which may be helpful in certain cases.

4. Comparison Shop Auto Insurance Plans Online

Many of the best insurance deals are found online. Insurance websites like Young America Insurance make it easy to compare rates from dozens of providers in just minutes. Most consumers save up to $600 by switching. You can get a quote in minutes using just your smartphone.

Now that you know how to lower your car insurance rates, take the next step—get a quote and start saving today.