Increase your deductible. Your deductible is the amount of money you have to pay out of pocket before your insurance company starts to cover the cost of your repairs. The higher your deductible, the lower your premium will be. However, be sure to choose a deductible that you can afford to pay if you need to file a claim.
Bundle your policies. If you have multiple insurance policies, such as home and auto, you may be able to get a discount by bundling them together.
Improve your credit score. Your credit score is a factor that insurance companies consider when setting your rates. The higher your credit score, the lower your rates will be.
Take a defensive driving course. Taking a defensive driving course can help you to become a safer driver, which can lead to lower insurance rates.
Look for discounts. Many insurance companies offer discounts for things like having a clean driving record, installing anti-theft devices, or being a good student. Be sure to ask about any discounts you may qualify for.
