12 Proven Ways to Lower Your Auto Insurance Premium

1. Shop annually Loyalty is punished. Compare at least 3 quotes every 12 months.

2. Bundle home + auto Typical bundle discount: 10–25%.

3. Raise your deductible Moving from $500 to $1,000 typically saves 10–15%.

4. Improve your credit In most states, a 100-point credit improvement can drop your premium 15–30%.

5–12. Ask about: paperless billing, paid-in-full, telematics programs, defensive driving courses, low-mileage discounts, professional affiliations, anti-theft devices, and removing collision on older cars.