Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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  • Make sure you are getting all available discounts
  • Raise the amount of your full-coverage deductibles
  • Lower your insurance coverage to liability only

When you get your new car insurance premium notice, and it’s higher than you expected or you do your family budget, it becomes essential to find ways to lower your bill.

After all, you have to have car insurance to drive legally. One thing you can do immediately is to compare insurance quotes from multiple carriers by using a comparison tool.

Car insurance comparison tools are completely free to use, and it can help you determine if your rates are significantly higher than the competitors.

Start comparing rates today by just entering your zip code above!

Look for Discounts


Before you downgrade your coverage or raise your deductible, you should check to see if you are eligible for any car insurance discounts.

Most insurance carriers offer discounts for being a safe driver, having certain types of safety equipment installed on the car, reaching a certain age and carrying more than one insurance policy with the same carrier.

Here is a list of factors that will enable you to get discounts:

  • Being a low-mileage driver
  • Being active duty in the military
  • Reaching the age of 25
  • Maintaining a certain GPA if you are in high school or college
  • Take Advantage of multi-line or bundling discounts
  • Safe driver or accident-free driver for the last several years
  • Safety equipment discounts
  • Take a defensive driving course

If you can take advantage of one or more discounts offered by your insurance company, you may find that you can afford your coverage.

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FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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Raise Your Deductible

If your current car insurance policy has extremely low deductibles, consider raising your deductibles to $500 or $1,000.

By assuming more financial responsibility for any potential car accidents, you will be removing some of the risks from your insurance carrier, which will result in lower monthly rates.

Reduce Your Coverage


If you are carrying full coverage car insurance, which is a policy that includes comprehensive, collision and liability, consider lowering your insurance coverage to liability only.

Reducing your coverage works well for drivers that own their vehicles and who are not paying monthly payments to a lending institution.

By choosing a policy that only includes liability coverage, you will still be able to drive legally.

However, if you get into a car accident that is deemed your fault, you will be responsible for your car repairs and any medical bills that are a result of the auto accident or incident.

What to Do if You Cannot Reduce Your Coverage

If you cannot lower your car insurance to liability only because you are still making payments on your car, or you are unwilling or unable to fully repair your car in the event of an accident, your best option may be choosing a different car insurance company with lower rates.

You can start the process of finding a new policy with a new carrier by utilizing an online insurance comparison tool.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Switch Insurance Carriers


In some instances, it may be beneficial to switch insurance carriers completely.

Different insurance providers use different calculations for risk assessment — which can result in drastically different insurance premiums, even for the same coverage.

To start the process of switching insurance carriers, you should utilize the services of an online car insurance comparison tool.

Inaccurate information can result in inaccurate quotes, and if you use that faulty information when you purchase your policy, your new insurance carrier may accuse you of being dishonest.

To get the most accurate quotes possible and to avoid future headaches when it comes to your insurance policy, you should always be completely truthful when you provide information.

Once you have all your quotes, read through each policy to determine if it meets your needs.

You should pay special attention to the fine print details and the exclusions to make sure they are similar to your old policy.

If the insurance policy is more affordable and meets your needs, you should be able to purchase that policy online and immediately print your temporary insurance policy cards and the information about your new policy.

After you purchase your policy and print your cards, double-check to make sure the policy is active or note the date in which the policy becomes active.

Start saving today by entering your zip code in our FREE comparison tool below, comparing rates, and choosing the best coverage and rate!