Auto premiums are climbing nationwide, but you have more leverage than you think. These eight moves consistently move the needle.
1. Bundle Auto with Home or Renters
Most carriers offer 10–25% off when you combine policies. This is usually the single biggest discount available.
2. Raise Your Deductible Strategically
Going from $500 to $1,000 typically cuts collision premiums by 10–15%. Just make sure you can afford the deductible if you need to file.
3. Re-Shop Every 12–18 Months
Carriers re-rate their books constantly. The cheapest carrier last year may not be the cheapest this year. Independent agents shop on your behalf.
4. Take Advantage of Telematics
If you're a safe driver, usage-based programs can save 10–30%.
5. Improve Your Credit-Based Insurance Score
In most states, insurance scores impact rates. Paying down balances and disputing errors helps.
6. Drop Unnecessary Coverage on Older Cars
If your car is worth less than 10x your annual premium for collision/comp, consider dropping it.
7. Ask About Every Discount
Good student, military, defensive driving, paperless, paid-in-full — they add up.
8. Work With an Independent Agent
Captive agents can only quote one carrier. We quote 15+.
Marcus has 14 years of experience in personal auto and is obsessed with finding clients every legitimate discount.