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The Total Coverage Blog

How to Lower Car Insurance Rates

Car insurance is a legal requirement if you want to drive on any Pennsylvania roads — and good car insurance is a requirement if you want to actually be protected in the event of an accident. Just because car insurance is important, though, doesn’t mean you want to pay an arm, a leg and a foot for it. Smart drivers are always looking for how to lower car insurance rates — and at Unruh Insurance, we’re here to help.

Insurance companies set your monthly car insurance premiums based on over 700 factors, including things related to your accident history, distance to your job, your car, your credit score, and other reasons. That’s a lot to think about when you want to know how to lower car insurance premiums.

While you can’t change all 700+ of those factors, there are some choices you can make when researching how to lower your car insurance rates. See what you can do on your own to lower your payments — and get your FREE auto insurance quote now!

10 Ways to Lower Your Car Insurance Payments

Your car insurance payment is like a grocery bill. You get why it’s important — you just wish it wasn’t so darn high. However, sacrificing excellent, peace-of-mind coverage isn’t the answer. Doing the little things right and learning how to lower your car insurance rates is the smart play to save real money.

Here are the 10 recommended ways to lower your car insurance premiums:

1. Report your activity and mileage accurately

One of the primary factors an insurance company uses when determining your payments is how far and often you drive. If you start working from home or have any reduction in how much you drive, report it — it may make a difference on your insurance premium.

2. Drive safe and keep your record clean

This is a no-brainer, but sometimes the simplest wisdom is best. Keeping your record clean from accidents and violations should lower your car insurance rates year after year.

Learn more about how an accident impacts your insurance rates.

3. Take a safe driver course through the state

If you’re age 55 or older, you can take a safe driving course through the state or AAA. Not only is it good to brush up on the rules of the road, but your insurance company may reward you by lowering your insurance premium.

4. Get driver tracking hardware and prove you’re safe

Some insurance companies offer discounts if you can prove you are a careful driver. Your insurance provider tests your driving style by mailing you a piece of hardware to install in your car. The hardware then reports back to them — and you can get rewarded based on what it finds.

Coming soon: Some insurance companies are developing and rolling out mobile apps that can do the same thing — just in an easier to use format that saves you money with less hassle.

5. Pay on an annual pay plan

Some insurance companies — including ones with Unruh Insurance — give you an off-the-top discount if you pay the year’s premium all at once. If you have the lump sum available, you’ll save about 7% total! This is just one more benefit of working with a local insurance agent.

Learn more about the benefits of working with a car insurance agent.

6. Make sure you have First Accident Forgiveness

This often forgotten clause is one of the best tips on this whole list. First Accident Forgiveness can help keep your payments locked-in after an accident. Make sure it’s included on your policy.

7. Keep your credit score looking good

This is an unexpected strategy when researching how to lower your car insurance rates. Car insurance companies look at your credit score and history when calculating your total premium. Keeping your credit score in a good place can trim down your payments.

8. Bundling home and auto

A multi-policy discount is one of the best ways to see immediate savings on your car insurance premium. Bringing your auto insurance, homeowners insurance, and any other property insurance together at one agency can cut your rates across the board! If you haven’t bundled up and saved, do it today!

9. If you’re buying a new car, opt for the right upgrades

While buying a new car isn’t a feasible way to trim your bills, if you are buying a new car, look at ones with safety and anti-theft features. Insurance companies will almost always lower your premium when you drive a safe and secure vehicle.

10. Review your current coverage

One of the best ways to lower your car insurance rates in a meaningful way is reviewing your current coverage. Just make sure you aren’t losing any coverage to secure your savings — cutting valuable coverage is NEVER worth saving a few dollars per month.


Car Insurance Quotes from Your Local Agent

At Unruh Insurance, we make it our mission to offer competitive quotes on outstanding insurance. We want our customers to like the price they pay every month — and love the peace-of-mind they feel whenever they get behind the wheel.

In addition, as a local agent, we can make ourselves available in-person to help you understand and work through all of your insurance needs. Contact us today for a quote and to discover the local insurance agent difference.

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