Quick checklist to lower your price
- Enroll in telematics safe driving or low mileage programs where available.
- Bundle auto with home, condo, or renters insurance.
- Raise deductibles if you can afford higher out of pocket costs.
- Good student GPA and student away at school discounts.
- Pay in full to avoid monthly billing fees.
- Multi car and multi driver policies for households.
- Paperless and autopay savings where offered.
- Occupation or association programs for nurses, teachers, military, and more.
- Compare every 6 to 12 months since rates change by ZIP code and risk.
Our recommended approach
- Pick two or three providers to compare side by side.
- Enable telematics or usage based quotes if offered.
- Apply relevant discounts such as bundle, student, and autopay.
- Bind the best offer and set a renewal reminder in your calendar.
When to adjust coverages
- Consider higher liability limits if you have assets to protect.
- Drop collision or comprehensive only if the car value and risk justify it.
- Add roadside and rental if you rely on your car for daily work or school.