How To Get Lower Car Insurance Reddit

There’s no one silver bullet for getting cheaper car insurance but there are a few things you can do to help lower your rates. Here are some tips from the experts:

1. Shop around and compare rates.

This is the most important thing you can do to get cheaper car insurance. Rates can vary significantly from one insurer to the next so it pays to shop around and compare as many quotes as possible.

2. Consider raising your deductible.

One way to lower your rates is to raise your deductible which is the amount you’ll have to pay out of pocket if you have a claim. Obviously this means you’ll have to pay more out of pocket if you do have an accident but it can be worth it in terms of lower premiums.

3. Decrease your coverage if you have an older car.

If you have an older car that’s not worth much you may want to consider decreasing your coverage. You may not need comprehensive or collision coverage if your car isn’t worth much so you could save money by dropping those coverages.

4. Take advantage of discounts.

Many insurers offer discounts for things like having a good driving record being a safe driver or insuring multiple vehicles. Some insurers also offer discounts for things like taking a defensive driving course or installing certain safety devices in your car.

5. Drive safely and avoid accidents.

This one should go without saying but the best way to lower your car insurance rates is to avoid accidents and tickets. Drive safely and obey the speed limit and you’ll be less likely to get into an accident that could raise your rates.

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