5 Smart Ways To Make Your Car Insurance Cheaper

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1. Drop Coverage You Don’t Need

Let’s be honest—if your car is old enough to vote, full coverage might not make sense anymore.

You’re probably paying for extra protection that costs more than the car itself.

Here’s what to double-check before paying another overpriced premium:

• Skip collision coverage if your car’s value is low and repairs cost more than it’s worth.
  
• Cancel rental reimbursement if you already have access to another car.
  
• Ditch roadside assistance if your credit card or auto club already covers it.
  

👉 Here's How You'll Do It: Look up your car’s market value on Kelley Blue Book and compare it to your annual insurance cost. If it’s close, drop the extra coverage.

Make It Easy: Compare policies easily using Insurify to see which coverage you can safely drop without losing value.

2. Raise Your Deductible to Lower Payments

If you’ve got a clean driving record, this move is basically free money.

By raising your deductible, you can slash your monthly bill instantly.

Here’s what makes it work:

• Higher deductibles = lower premiums, especially if you rarely file claims.
  
• Keep your emergency fund ready, so you’re covered if something happens.
  
• Start small; going from $500 to $1,000 can make a big difference.
  

👉 Here's How You'll Do It: Call your insurer and ask how much your premium drops by raising your deductible. You’ll be surprised at the savings.

Make It Easy: Open a Betterment Cash Reserve Account to stash your deductible fund automatically while earning interest.

3. Review Your Policy Once a Year

Ever signed up for something and forgot it existed? Yeah, insurance is like that, too.

A quick yearly check can uncover discounts you didn’t even know were there.

Focus on these areas first:

• Remove outdated info, like old cars or drivers you no longer cover.
  
• Ask about new discounts, such as low-mileage or safe driver programs.
  
• Check competitors’ rates, because loyalty doesn’t always pay with insurance.
  

👉 Here's How You'll Do It: Set a yearly reminder on your phone to review your policy before renewal. 15 minutes could save you hundreds.

Make It Easy: Compare renewal rates automatically using Insurify, which pulls updated quotes in minutes from dozens of top insurers.

4. Keep a Clean Driving Record for Better Rates

It’s not rocket science. The fewer tickets you get, the less you pay.

One speeding ticket can make your rates skyrocket faster than your caffeine intake on a Monday.

Here’s what helps you stay spotless:

• Use navigation apps that warn about speed traps and camera zones.
  
• Take defensive driving courses, which can lower rates instantly.
  
• Drive during low-risk times, like daytime and non-rush hours.
  

👉 Here's How You'll Do It: Commit to one month of slow, steady driving. Set your speed alert 5 mph under the limit to stay on track.

Make It Easy: Mount a dashboard phone holder to keep your GPS in clear view while driving.

5. Maintain Good Credit for Cheaper Premiums

Did you know your credit score can quietly raise your car insurance rates?

Insurers view it as a measure of responsibility, so a higher score can result in lower payments.

Here’s what to focus on:

• Pay bills on time, even the small ones, as payment history is most important.
  
• Keep your balances low, especially on credit cards.
  
• Check your report regularly for errors that drag down your score.
  

👉 Here's How You'll Do It: Set up automatic bill payments to avoid late fees and slowly boost your score month after month.

Make It Easy: Check your credit score anytime for free using Credit Karma to stay on top of changes.

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