Wondering what these different factors are and how you can start saving? Keep reading to discover the secrets you’ve been looking for!<\/p>\n\n\n\n
The Make and Model<\/a><\/h3>\n\n\n\nMore expensive cars and luxury rides will mean higher premiums. A certain type of vehicle, such as convertible and sports, will also bring up your car insurance premium. Conversely, cheaper and simpler ones usually command lower rates.<\/p>\n\n\n\n
Your Age and Driving Experience<\/a><\/h3>\n\n\n\nTypically, older people pay less than younger people. Driving experience also plays a role \u2014 between two 25-year-olds, the one who\u2019s had his license longer will pay a lower premium. As young drivers grow older, they are often surprised at how much their rates drop.<\/p>\n\n\n\n
Location<\/a><\/h3>\n\n\n\nWhere you keep your auto plays a role in your premium. If you live in an area with a lot of crime or crashes, you will pay a higher premium. If you and your vehicle move to a safer area, though, it helps lower your costs. To learn more about this, read and study your insurance policy<\/a> in full.<\/p>\n\n\n\nDriving History<\/a><\/h3>\n\n\n\nA driving history with fewer traffic tickets and at-fault accidents results in a lower premium. For most minor traffic violations and wrecks, carriers typically look back three to five years. Serious violations such as DUIs<\/a> and license suspensions stay on your record longer and dramatically affect the auto insurance rates that you get offered.<\/p>\n\n\n\nClub and Association Membership<\/a><\/h3>\n\n\n\nMany insurers provide savings to members of particular clubs and associations, such as AAA or AARP. Be sure to let your insurance agent know about any club memberships or other organization memberships that you may be a part of.<\/p>\n\n\n\n
How Often You Use Your <\/a>It<\/h3>\n\n\n\nHow much you drive has a bearing. If you have a long commute or like to take big road trips, providers will charge you a higher premium.<\/p>\n\n\n\n
Keep in mind that intentionally misleading the insurance company<\/a> \u2014 for example, providing an address that\u2019s different from where you normally live and keep your auto \u2014 is fraud. If the insurance company finds out that you knowingly gave them incorrect information, they may drop your coverage. In the worst-case scenario, they may even refuse to process a claim if you\u2019re involved in an wreck!<\/p>\n\n\n\nTips on How to Lower Your <\/a>Coverage Rate<\/h2>\n\n\n\nWhether you\u2019re shopping for new coverage or trying to trim costs with your existing insurer, there are plenty of ways to lower your premium and get a better price. For example, if you started working from home and your number of miles decreased, that could be worth some savings.<\/p>\n\n\n\n
Take a Defensive Driving Course<\/a><\/h3>\n\n\n\nMost carriers will offer a lower premium if you complete an approved defensive driving course. Your state DMV will have a list of approved defensive driving course providers. It\u2019s even possible to take a course online to fit your schedule!<\/p>\n\n\n\n
Once you receive your certificate for completing the course, contact your insurer so it can apply your savings to your next renewal. In addition, completing the course may help give you the skills and preparation to eventually get a good driver discount (more on this later).<\/p>\n\n\n\n
Get Group Insurance<\/a><\/h3>\n\n\n\nMany companies and organizations have arrangements that allow employees and organization members to receive instant discounts. Ask around. You\u2019d be surprised how many employers, alumni associations, social clubs, and other organizations can get you a lowered price on your premium! This is good information whether you want the best rate price on a new car or just want to pay less.<\/p>\n\n\n\n
Keep a Clean Driving Record<\/a><\/h3>\n\n\n\nIf your driving record shows you haven\u2019t had any at-fault accidents or moving violations, such as a speeding ticket or running a stop sign, in the last few years, then you\u2019re likely to get a reduction for \u201cgood behavior.\u201d Additionally, since getting into crashes and filing claims increases your cost, safe driving plays a significant role to get a better rate and finally get cheap car<\/a> insurance. Establishing good driving habits young is the easiest way and the most important factor in commanding low rates.<\/p>\n\n\n\nIf you\u2019re not sure what\u2019s on your driving record, you can find out by contacting your state DMV. You can also contact your carrier to learn about other savings you may qualify for (such as the good student discount in high school and college).<\/p>\n\n\n\n
Have Good Credit<\/a><\/h3>\n\n\n\nSome companies offer a decrease if you keep a good credit score<\/a>. Some ways to improve your credit report include paying your bills, credit cards, and loans on time. Always remember to pay your premium, and be sure to monitor your credit history and focus on improving it from month to month!<\/p>\n\n\n\nInstall Anti-Theft Device<\/a> and Safety Features<\/h3>\n\n\n\nMany insurers offer lower prices if your auto has an anti-theft device or safety features, like anti-lock brakes, installed. Many newer ones already come with an anti-theft system. If you have an older one, it might be worth it to look into installing an anti-theft device or some safety features, such as an alarm. Besides saving you cash, it\u2019ll save you some of the stress and anxiety if your ride is stolen!<\/p>\n\n\n\n
Bundling<\/h3>\n\n\n\n
Combining your home and auto packages into one comprehensive plan could get you a bundling discount. If you buy home protection from the same carrier as other plans, such as watercraft or renters, your bundling discount could be as much as 25%.<\/p>\n\n\n\n
Stay Insured<\/a><\/h3>\n\n\n\n![\"happy](\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2021\/04\/car-insurance-savings.jpg\")
<\/figure><\/div>\n\n\nMost companies charge more when they see you\u2019ve had gaps in your coverage, even if it was because you didn\u2019t own a vehicle. The longer you stay insured with no gaps, the lower your premium will be.<\/p>\n\n\n\n
If you sell your wheels, it\u2019s still possible to avoid a gap in coverage if you purchase a non-owner liability policy<\/a>. This helps you avoid potentially expensive “gaps” in your coverage. Not only does this save you cash when you need full coverage<\/a> again, but it also protects you if you\u2019re involved in an accident while driving someone else\u2019s. In that case, the non-owner liability policy covers damages above the owner\u2019s limits.<\/p>\n\n\n\nBecome a New Customer<\/a><\/h3>\n\n\n\nOccasionally, an insurance agent offers special rates to customers switching. If you’re looking for how to lower your payment, this is one of the easier methods. Just don\u2019t expect to get the same price reduction when you renew!<\/p>\n\n\n\n
Be a Repeat Customer<\/a><\/h3>\n\n\n\nMost insurance companies offer breaks to customers who have multiple policies with them, especially auto or homeowners. In many cases, having a policy within the same household counts, so your spouse or partner\u2019s package can still get you a discount.<\/p>\n\n\n\n
Increase Your Deductible<\/a><\/h3>\n\n\n\nFor collision coverage and comprehensive, you usually have some flexibility in setting your terms. If you\u2019re looking to save on your premium, then you should consider increasing the deductible<\/a>. If your automobile is damaged, the deductible is the amount of money you agree to pay before your policy starts covering the costs. A higher deductible means that you\u2019re covering a larger share of the costs in case of an accident or theft. That\u2019s why the insurer is willing to charge a lower premium when you increase the deductible.<\/p>\n\n\n\nThe downside in this instance is that if there is an accident or theft, you\u2019ll be faced with a higher surprise bill<\/a>. So always make sure the deductible is an amount you\u2019re comfortable paying at a moment\u2019s notice for repairs.<\/p>\n\n\n\nDecrease Your Limit<\/a><\/h3>\n\n\n\nAnother option for collision and comprehensive is to decrease the limit. The limit is the maximum amount the provider will pay if your ride is damaged. Since they are on the hook for less money, a lower limit means a lower premium.<\/p>\n\n\n\n
If your vehicle\u2019s value is well below the limit, then it makes a lot of sense to lower the limit. You might consider further lowering the limit if you\u2019re comfortable doing that. The downside is that you\u2019ll get less money from your carrier if your vehicle is damaged or stolen. Still, if you’re looking for how to lower your payment, this is a great option.<\/p>\n\n\n\n
Pay Your Premium Up Front or Pay Online<\/a><\/h3>\n\n\n\nIt\u2019s usually cheaper to pay the entire premium in advance, annually or six months. If you can\u2019t afford to do that, then opt for the payment plan with as few payments as you can manage \u2014 plans with more installments usually have more added fees.<\/p>\n\n\n\n
In addition, many insurance companies will offer a small savings if you choose to pay online or sign up for automatic payments by credit card or from your bank account. If you do sign up for automatic payments, just don\u2019t forget to set a future reminder to yourself to make sure that there\u2019s enough money to cover the payment!<\/p>\n\n\n\n
Don\u2019t Be Afraid to Shop Around<\/a><\/h3>\n\n\n\nEven if you\u2019re satisfied with your current premium, it\u2019s always a good idea to shop around for new quotes on a regular basis. When your policy is up for renewal, double-check that you\u2019re getting the best deal. Try to get at least two or three additional quotes just to make sure you\u2019re making your decision based on enough information.<\/p>\n\n\n\n
As you request and compare different car insurance quotes<\/a>, it\u2019s important to ask yourself a few questions. This is how to lower your payment with just a few clicks!<\/p>\n\n\n\n\u00b7 Do All the Quotes Consider the Same Information?<\/a><\/h4>\n\n\n\nIf you\u2019ve been involved in any at-fault accidents or traffic violations recently, then you should share this so you can get the most accurate quote.<\/p>\n\n\n\n
\u00b7 Do All the Quotes Have the Same Limits and Deductible?<\/a><\/h4>\n\n\n\nRemember that limits and deductibles affect the premium. That\u2019s why you should make sure you\u2019re comparing \u201capples to apples\u201d and that all the limits and deductibles are the same. If they\u2019re not, contact the insurance company and ask for a revised quote with the deductible and limit you\u2019re looking for.<\/p>\n\n\n\n
\u00b7 Do I Need (or Want) All the Coverage Options?<\/a><\/h4>\n\n\n\nJust because the coverage is available doesn\u2019t mean it makes sense to pay for it. Beyond the legally required minimum liability coverage<\/a>, the purpose of insurance is to help pay for expenses that you couldn\u2019t pay yourself in an emergency.<\/p>\n\n\n\nDiscover How to Lower Your Auto Insurance Payment Today!<\/a><\/h2>\n\n\n\nNow you know how to lower your payment, but do you know who can give you the affordable automobile insurance you\u2019ve been looking for?<\/p>\n\n\n\n
Here at Freeway, we know how annoying it is when your insurance premium keeps going up each year. To get a better deal, it only takes a few minutes to get a quick online quote<\/a> or by speaking directly to an expert at (800) 777-5620<\/a>. Making an in-person<\/a> appointment at one of our convenient locations<\/a> is another great option.<\/p>\n\n\n\n<\/div>\n\n\n\n<\/p>\n\n\n
Typically, older people pay less than younger people. Driving experience also plays a role \u2014 between two 25-year-olds, the one who\u2019s had his license longer will pay a lower premium. As young drivers grow older, they are often surprised at how much their rates drop.<\/p>\n\n\n\n
Location<\/a><\/h3>\n\n\n\nWhere you keep your auto plays a role in your premium. If you live in an area with a lot of crime or crashes, you will pay a higher premium. If you and your vehicle move to a safer area, though, it helps lower your costs. To learn more about this, read and study your insurance policy<\/a> in full.<\/p>\n\n\n\nDriving History<\/a><\/h3>\n\n\n\nA driving history with fewer traffic tickets and at-fault accidents results in a lower premium. For most minor traffic violations and wrecks, carriers typically look back three to five years. Serious violations such as DUIs<\/a> and license suspensions stay on your record longer and dramatically affect the auto insurance rates that you get offered.<\/p>\n\n\n\nClub and Association Membership<\/a><\/h3>\n\n\n\nMany insurers provide savings to members of particular clubs and associations, such as AAA or AARP. Be sure to let your insurance agent know about any club memberships or other organization memberships that you may be a part of.<\/p>\n\n\n\n
How Often You Use Your <\/a>It<\/h3>\n\n\n\nHow much you drive has a bearing. If you have a long commute or like to take big road trips, providers will charge you a higher premium.<\/p>\n\n\n\n
Keep in mind that intentionally misleading the insurance company<\/a> \u2014 for example, providing an address that\u2019s different from where you normally live and keep your auto \u2014 is fraud. If the insurance company finds out that you knowingly gave them incorrect information, they may drop your coverage. In the worst-case scenario, they may even refuse to process a claim if you\u2019re involved in an wreck!<\/p>\n\n\n\nTips on How to Lower Your <\/a>Coverage Rate<\/h2>\n\n\n\nWhether you\u2019re shopping for new coverage or trying to trim costs with your existing insurer, there are plenty of ways to lower your premium and get a better price. For example, if you started working from home and your number of miles decreased, that could be worth some savings.<\/p>\n\n\n\n
Take a Defensive Driving Course<\/a><\/h3>\n\n\n\nMost carriers will offer a lower premium if you complete an approved defensive driving course. Your state DMV will have a list of approved defensive driving course providers. It\u2019s even possible to take a course online to fit your schedule!<\/p>\n\n\n\n
Once you receive your certificate for completing the course, contact your insurer so it can apply your savings to your next renewal. In addition, completing the course may help give you the skills and preparation to eventually get a good driver discount (more on this later).<\/p>\n\n\n\n
Get Group Insurance<\/a><\/h3>\n\n\n\nMany companies and organizations have arrangements that allow employees and organization members to receive instant discounts. Ask around. You\u2019d be surprised how many employers, alumni associations, social clubs, and other organizations can get you a lowered price on your premium! This is good information whether you want the best rate price on a new car or just want to pay less.<\/p>\n\n\n\n
Keep a Clean Driving Record<\/a><\/h3>\n\n\n\nIf your driving record shows you haven\u2019t had any at-fault accidents or moving violations, such as a speeding ticket or running a stop sign, in the last few years, then you\u2019re likely to get a reduction for \u201cgood behavior.\u201d Additionally, since getting into crashes and filing claims increases your cost, safe driving plays a significant role to get a better rate and finally get cheap car<\/a> insurance. Establishing good driving habits young is the easiest way and the most important factor in commanding low rates.<\/p>\n\n\n\nIf you\u2019re not sure what\u2019s on your driving record, you can find out by contacting your state DMV. You can also contact your carrier to learn about other savings you may qualify for (such as the good student discount in high school and college).<\/p>\n\n\n\n
Have Good Credit<\/a><\/h3>\n\n\n\nSome companies offer a decrease if you keep a good credit score<\/a>. Some ways to improve your credit report include paying your bills, credit cards, and loans on time. Always remember to pay your premium, and be sure to monitor your credit history and focus on improving it from month to month!<\/p>\n\n\n\nInstall Anti-Theft Device<\/a> and Safety Features<\/h3>\n\n\n\nMany insurers offer lower prices if your auto has an anti-theft device or safety features, like anti-lock brakes, installed. Many newer ones already come with an anti-theft system. If you have an older one, it might be worth it to look into installing an anti-theft device or some safety features, such as an alarm. Besides saving you cash, it\u2019ll save you some of the stress and anxiety if your ride is stolen!<\/p>\n\n\n\n
Bundling<\/h3>\n\n\n\n
Combining your home and auto packages into one comprehensive plan could get you a bundling discount. If you buy home protection from the same carrier as other plans, such as watercraft or renters, your bundling discount could be as much as 25%.<\/p>\n\n\n\n
Stay Insured<\/a><\/h3>\n\n\n\n<\/figure><\/div>\n\n\nMost companies charge more when they see you\u2019ve had gaps in your coverage, even if it was because you didn\u2019t own a vehicle. The longer you stay insured with no gaps, the lower your premium will be.<\/p>\n\n\n\n
If you sell your wheels, it\u2019s still possible to avoid a gap in coverage if you purchase a non-owner liability policy<\/a>. This helps you avoid potentially expensive “gaps” in your coverage. Not only does this save you cash when you need full coverage<\/a> again, but it also protects you if you\u2019re involved in an accident while driving someone else\u2019s. In that case, the non-owner liability policy covers damages above the owner\u2019s limits.<\/p>\n\n\n\nBecome a New Customer<\/a><\/h3>\n\n\n\nOccasionally, an insurance agent offers special rates to customers switching. If you’re looking for how to lower your payment, this is one of the easier methods. Just don\u2019t expect to get the same price reduction when you renew!<\/p>\n\n\n\n
Be a Repeat Customer<\/a><\/h3>\n\n\n\nMost insurance companies offer breaks to customers who have multiple policies with them, especially auto or homeowners. In many cases, having a policy within the same household counts, so your spouse or partner\u2019s package can still get you a discount.<\/p>\n\n\n\n
Increase Your Deductible<\/a><\/h3>\n\n\n\nFor collision coverage and comprehensive, you usually have some flexibility in setting your terms. If you\u2019re looking to save on your premium, then you should consider increasing the deductible<\/a>. If your automobile is damaged, the deductible is the amount of money you agree to pay before your policy starts covering the costs. A higher deductible means that you\u2019re covering a larger share of the costs in case of an accident or theft. That\u2019s why the insurer is willing to charge a lower premium when you increase the deductible.<\/p>\n\n\n\nThe downside in this instance is that if there is an accident or theft, you\u2019ll be faced with a higher surprise bill<\/a>. So always make sure the deductible is an amount you\u2019re comfortable paying at a moment\u2019s notice for repairs.<\/p>\n\n\n\nDecrease Your Limit<\/a><\/h3>\n\n\n\nAnother option for collision and comprehensive is to decrease the limit. The limit is the maximum amount the provider will pay if your ride is damaged. Since they are on the hook for less money, a lower limit means a lower premium.<\/p>\n\n\n\n
If your vehicle\u2019s value is well below the limit, then it makes a lot of sense to lower the limit. You might consider further lowering the limit if you\u2019re comfortable doing that. The downside is that you\u2019ll get less money from your carrier if your vehicle is damaged or stolen. Still, if you’re looking for how to lower your payment, this is a great option.<\/p>\n\n\n\n
Pay Your Premium Up Front or Pay Online<\/a><\/h3>\n\n\n\nIt\u2019s usually cheaper to pay the entire premium in advance, annually or six months. If you can\u2019t afford to do that, then opt for the payment plan with as few payments as you can manage \u2014 plans with more installments usually have more added fees.<\/p>\n\n\n\n
In addition, many insurance companies will offer a small savings if you choose to pay online or sign up for automatic payments by credit card or from your bank account. If you do sign up for automatic payments, just don\u2019t forget to set a future reminder to yourself to make sure that there\u2019s enough money to cover the payment!<\/p>\n\n\n\n
Don\u2019t Be Afraid to Shop Around<\/a><\/h3>\n\n\n\nEven if you\u2019re satisfied with your current premium, it\u2019s always a good idea to shop around for new quotes on a regular basis. When your policy is up for renewal, double-check that you\u2019re getting the best deal. Try to get at least two or three additional quotes just to make sure you\u2019re making your decision based on enough information.<\/p>\n\n\n\n
As you request and compare different car insurance quotes<\/a>, it\u2019s important to ask yourself a few questions. This is how to lower your payment with just a few clicks!<\/p>\n\n\n\n\u00b7 Do All the Quotes Consider the Same Information?<\/a><\/h4>\n\n\n\nIf you\u2019ve been involved in any at-fault accidents or traffic violations recently, then you should share this so you can get the most accurate quote.<\/p>\n\n\n\n
\u00b7 Do All the Quotes Have the Same Limits and Deductible?<\/a><\/h4>\n\n\n\nRemember that limits and deductibles affect the premium. That\u2019s why you should make sure you\u2019re comparing \u201capples to apples\u201d and that all the limits and deductibles are the same. If they\u2019re not, contact the insurance company and ask for a revised quote with the deductible and limit you\u2019re looking for.<\/p>\n\n\n\n
\u00b7 Do I Need (or Want) All the Coverage Options?<\/a><\/h4>\n\n\n\nJust because the coverage is available doesn\u2019t mean it makes sense to pay for it. Beyond the legally required minimum liability coverage<\/a>, the purpose of insurance is to help pay for expenses that you couldn\u2019t pay yourself in an emergency.<\/p>\n\n\n\nDiscover How to Lower Your Auto Insurance Payment Today!<\/a><\/h2>\n\n\n\nNow you know how to lower your payment, but do you know who can give you the affordable automobile insurance you\u2019ve been looking for?<\/p>\n\n\n\n
Here at Freeway, we know how annoying it is when your insurance premium keeps going up each year. To get a better deal, it only takes a few minutes to get a quick online quote<\/a> or by speaking directly to an expert at (800) 777-5620<\/a>. Making an in-person<\/a> appointment at one of our convenient locations<\/a> is another great option.<\/p>\n\n\n\n<\/div>\n\n\n\n<\/p>\n\n\n
Driving History<\/a><\/h3>\n\n\n\nA driving history with fewer traffic tickets and at-fault accidents results in a lower premium. For most minor traffic violations and wrecks, carriers typically look back three to five years. Serious violations such as DUIs<\/a> and license suspensions stay on your record longer and dramatically affect the auto insurance rates that you get offered.<\/p>\n\n\n\nClub and Association Membership<\/a><\/h3>\n\n\n\nMany insurers provide savings to members of particular clubs and associations, such as AAA or AARP. Be sure to let your insurance agent know about any club memberships or other organization memberships that you may be a part of.<\/p>\n\n\n\n
How Often You Use Your <\/a>It<\/h3>\n\n\n\nHow much you drive has a bearing. If you have a long commute or like to take big road trips, providers will charge you a higher premium.<\/p>\n\n\n\n
Keep in mind that intentionally misleading the insurance company<\/a> \u2014 for example, providing an address that\u2019s different from where you normally live and keep your auto \u2014 is fraud. If the insurance company finds out that you knowingly gave them incorrect information, they may drop your coverage. In the worst-case scenario, they may even refuse to process a claim if you\u2019re involved in an wreck!<\/p>\n\n\n\nTips on How to Lower Your <\/a>Coverage Rate<\/h2>\n\n\n\nWhether you\u2019re shopping for new coverage or trying to trim costs with your existing insurer, there are plenty of ways to lower your premium and get a better price. For example, if you started working from home and your number of miles decreased, that could be worth some savings.<\/p>\n\n\n\n
Take a Defensive Driving Course<\/a><\/h3>\n\n\n\nMost carriers will offer a lower premium if you complete an approved defensive driving course. Your state DMV will have a list of approved defensive driving course providers. It\u2019s even possible to take a course online to fit your schedule!<\/p>\n\n\n\n
Once you receive your certificate for completing the course, contact your insurer so it can apply your savings to your next renewal. In addition, completing the course may help give you the skills and preparation to eventually get a good driver discount (more on this later).<\/p>\n\n\n\n
Get Group Insurance<\/a><\/h3>\n\n\n\nMany companies and organizations have arrangements that allow employees and organization members to receive instant discounts. Ask around. You\u2019d be surprised how many employers, alumni associations, social clubs, and other organizations can get you a lowered price on your premium! This is good information whether you want the best rate price on a new car or just want to pay less.<\/p>\n\n\n\n
Keep a Clean Driving Record<\/a><\/h3>\n\n\n\nIf your driving record shows you haven\u2019t had any at-fault accidents or moving violations, such as a speeding ticket or running a stop sign, in the last few years, then you\u2019re likely to get a reduction for \u201cgood behavior.\u201d Additionally, since getting into crashes and filing claims increases your cost, safe driving plays a significant role to get a better rate and finally get cheap car<\/a> insurance. Establishing good driving habits young is the easiest way and the most important factor in commanding low rates.<\/p>\n\n\n\nIf you\u2019re not sure what\u2019s on your driving record, you can find out by contacting your state DMV. You can also contact your carrier to learn about other savings you may qualify for (such as the good student discount in high school and college).<\/p>\n\n\n\n
Have Good Credit<\/a><\/h3>\n\n\n\nSome companies offer a decrease if you keep a good credit score<\/a>. Some ways to improve your credit report include paying your bills, credit cards, and loans on time. Always remember to pay your premium, and be sure to monitor your credit history and focus on improving it from month to month!<\/p>\n\n\n\nInstall Anti-Theft Device<\/a> and Safety Features<\/h3>\n\n\n\nMany insurers offer lower prices if your auto has an anti-theft device or safety features, like anti-lock brakes, installed. Many newer ones already come with an anti-theft system. If you have an older one, it might be worth it to look into installing an anti-theft device or some safety features, such as an alarm. Besides saving you cash, it\u2019ll save you some of the stress and anxiety if your ride is stolen!<\/p>\n\n\n\n
Bundling<\/h3>\n\n\n\n
Combining your home and auto packages into one comprehensive plan could get you a bundling discount. If you buy home protection from the same carrier as other plans, such as watercraft or renters, your bundling discount could be as much as 25%.<\/p>\n\n\n\n
Stay Insured<\/a><\/h3>\n\n\n\n<\/figure><\/div>\n\n\nMost companies charge more when they see you\u2019ve had gaps in your coverage, even if it was because you didn\u2019t own a vehicle. The longer you stay insured with no gaps, the lower your premium will be.<\/p>\n\n\n\n
If you sell your wheels, it\u2019s still possible to avoid a gap in coverage if you purchase a non-owner liability policy<\/a>. This helps you avoid potentially expensive “gaps” in your coverage. Not only does this save you cash when you need full coverage<\/a> again, but it also protects you if you\u2019re involved in an accident while driving someone else\u2019s. In that case, the non-owner liability policy covers damages above the owner\u2019s limits.<\/p>\n\n\n\nBecome a New Customer<\/a><\/h3>\n\n\n\nOccasionally, an insurance agent offers special rates to customers switching. If you’re looking for how to lower your payment, this is one of the easier methods. Just don\u2019t expect to get the same price reduction when you renew!<\/p>\n\n\n\n
Be a Repeat Customer<\/a><\/h3>\n\n\n\nMost insurance companies offer breaks to customers who have multiple policies with them, especially auto or homeowners. In many cases, having a policy within the same household counts, so your spouse or partner\u2019s package can still get you a discount.<\/p>\n\n\n\n
Increase Your Deductible<\/a><\/h3>\n\n\n\nFor collision coverage and comprehensive, you usually have some flexibility in setting your terms. If you\u2019re looking to save on your premium, then you should consider increasing the deductible<\/a>. If your automobile is damaged, the deductible is the amount of money you agree to pay before your policy starts covering the costs. A higher deductible means that you\u2019re covering a larger share of the costs in case of an accident or theft. That\u2019s why the insurer is willing to charge a lower premium when you increase the deductible.<\/p>\n\n\n\nThe downside in this instance is that if there is an accident or theft, you\u2019ll be faced with a higher surprise bill<\/a>. So always make sure the deductible is an amount you\u2019re comfortable paying at a moment\u2019s notice for repairs.<\/p>\n\n\n\nDecrease Your Limit<\/a><\/h3>\n\n\n\nAnother option for collision and comprehensive is to decrease the limit. The limit is the maximum amount the provider will pay if your ride is damaged. Since they are on the hook for less money, a lower limit means a lower premium.<\/p>\n\n\n\n
If your vehicle\u2019s value is well below the limit, then it makes a lot of sense to lower the limit. You might consider further lowering the limit if you\u2019re comfortable doing that. The downside is that you\u2019ll get less money from your carrier if your vehicle is damaged or stolen. Still, if you’re looking for how to lower your payment, this is a great option.<\/p>\n\n\n\n
Pay Your Premium Up Front or Pay Online<\/a><\/h3>\n\n\n\nIt\u2019s usually cheaper to pay the entire premium in advance, annually or six months. If you can\u2019t afford to do that, then opt for the payment plan with as few payments as you can manage \u2014 plans with more installments usually have more added fees.<\/p>\n\n\n\n
In addition, many insurance companies will offer a small savings if you choose to pay online or sign up for automatic payments by credit card or from your bank account. If you do sign up for automatic payments, just don\u2019t forget to set a future reminder to yourself to make sure that there\u2019s enough money to cover the payment!<\/p>\n\n\n\n
Don\u2019t Be Afraid to Shop Around<\/a><\/h3>\n\n\n\nEven if you\u2019re satisfied with your current premium, it\u2019s always a good idea to shop around for new quotes on a regular basis. When your policy is up for renewal, double-check that you\u2019re getting the best deal. Try to get at least two or three additional quotes just to make sure you\u2019re making your decision based on enough information.<\/p>\n\n\n\n
As you request and compare different car insurance quotes<\/a>, it\u2019s important to ask yourself a few questions. This is how to lower your payment with just a few clicks!<\/p>\n\n\n\n\u00b7 Do All the Quotes Consider the Same Information?<\/a><\/h4>\n\n\n\nIf you\u2019ve been involved in any at-fault accidents or traffic violations recently, then you should share this so you can get the most accurate quote.<\/p>\n\n\n\n
\u00b7 Do All the Quotes Have the Same Limits and Deductible?<\/a><\/h4>\n\n\n\nRemember that limits and deductibles affect the premium. That\u2019s why you should make sure you\u2019re comparing \u201capples to apples\u201d and that all the limits and deductibles are the same. If they\u2019re not, contact the insurance company and ask for a revised quote with the deductible and limit you\u2019re looking for.<\/p>\n\n\n\n
\u00b7 Do I Need (or Want) All the Coverage Options?<\/a><\/h4>\n\n\n\nJust because the coverage is available doesn\u2019t mean it makes sense to pay for it. Beyond the legally required minimum liability coverage<\/a>, the purpose of insurance is to help pay for expenses that you couldn\u2019t pay yourself in an emergency.<\/p>\n\n\n\nDiscover How to Lower Your Auto Insurance Payment Today!<\/a><\/h2>\n\n\n\nNow you know how to lower your payment, but do you know who can give you the affordable automobile insurance you\u2019ve been looking for?<\/p>\n\n\n\n
Here at Freeway, we know how annoying it is when your insurance premium keeps going up each year. To get a better deal, it only takes a few minutes to get a quick online quote<\/a> or by speaking directly to an expert at (800) 777-5620<\/a>. Making an in-person<\/a> appointment at one of our convenient locations<\/a> is another great option.<\/p>\n\n\n\n<\/div>\n\n\n\n<\/p>\n\n\n
Club and Association Membership<\/a><\/h3>\n\n\n\nMany insurers provide savings to members of particular clubs and associations, such as AAA or AARP. Be sure to let your insurance agent know about any club memberships or other organization memberships that you may be a part of.<\/p>\n\n\n\n
How Often You Use Your <\/a>It<\/h3>\n\n\n\nHow much you drive has a bearing. If you have a long commute or like to take big road trips, providers will charge you a higher premium.<\/p>\n\n\n\n
Keep in mind that intentionally misleading the insurance company<\/a> \u2014 for example, providing an address that\u2019s different from where you normally live and keep your auto \u2014 is fraud. If the insurance company finds out that you knowingly gave them incorrect information, they may drop your coverage. In the worst-case scenario, they may even refuse to process a claim if you\u2019re involved in an wreck!<\/p>\n\n\n\nTips on How to Lower Your <\/a>Coverage Rate<\/h2>\n\n\n\nWhether you\u2019re shopping for new coverage or trying to trim costs with your existing insurer, there are plenty of ways to lower your premium and get a better price. For example, if you started working from home and your number of miles decreased, that could be worth some savings.<\/p>\n\n\n\n
Take a Defensive Driving Course<\/a><\/h3>\n\n\n\nMost carriers will offer a lower premium if you complete an approved defensive driving course. Your state DMV will have a list of approved defensive driving course providers. It\u2019s even possible to take a course online to fit your schedule!<\/p>\n\n\n\n
Once you receive your certificate for completing the course, contact your insurer so it can apply your savings to your next renewal. In addition, completing the course may help give you the skills and preparation to eventually get a good driver discount (more on this later).<\/p>\n\n\n\n
Get Group Insurance<\/a><\/h3>\n\n\n\nMany companies and organizations have arrangements that allow employees and organization members to receive instant discounts. Ask around. You\u2019d be surprised how many employers, alumni associations, social clubs, and other organizations can get you a lowered price on your premium! This is good information whether you want the best rate price on a new car or just want to pay less.<\/p>\n\n\n\n
Keep a Clean Driving Record<\/a><\/h3>\n\n\n\nIf your driving record shows you haven\u2019t had any at-fault accidents or moving violations, such as a speeding ticket or running a stop sign, in the last few years, then you\u2019re likely to get a reduction for \u201cgood behavior.\u201d Additionally, since getting into crashes and filing claims increases your cost, safe driving plays a significant role to get a better rate and finally get cheap car<\/a> insurance. Establishing good driving habits young is the easiest way and the most important factor in commanding low rates.<\/p>\n\n\n\nIf you\u2019re not sure what\u2019s on your driving record, you can find out by contacting your state DMV. You can also contact your carrier to learn about other savings you may qualify for (such as the good student discount in high school and college).<\/p>\n\n\n\n
Have Good Credit<\/a><\/h3>\n\n\n\nSome companies offer a decrease if you keep a good credit score<\/a>. Some ways to improve your credit report include paying your bills, credit cards, and loans on time. Always remember to pay your premium, and be sure to monitor your credit history and focus on improving it from month to month!<\/p>\n\n\n\nInstall Anti-Theft Device<\/a> and Safety Features<\/h3>\n\n\n\nMany insurers offer lower prices if your auto has an anti-theft device or safety features, like anti-lock brakes, installed. Many newer ones already come with an anti-theft system. If you have an older one, it might be worth it to look into installing an anti-theft device or some safety features, such as an alarm. Besides saving you cash, it\u2019ll save you some of the stress and anxiety if your ride is stolen!<\/p>\n\n\n\n
Bundling<\/h3>\n\n\n\n
Combining your home and auto packages into one comprehensive plan could get you a bundling discount. If you buy home protection from the same carrier as other plans, such as watercraft or renters, your bundling discount could be as much as 25%.<\/p>\n\n\n\n
Stay Insured<\/a><\/h3>\n\n\n\n<\/figure><\/div>\n\n\nMost companies charge more when they see you\u2019ve had gaps in your coverage, even if it was because you didn\u2019t own a vehicle. The longer you stay insured with no gaps, the lower your premium will be.<\/p>\n\n\n\n
If you sell your wheels, it\u2019s still possible to avoid a gap in coverage if you purchase a non-owner liability policy<\/a>. This helps you avoid potentially expensive “gaps” in your coverage. Not only does this save you cash when you need full coverage<\/a> again, but it also protects you if you\u2019re involved in an accident while driving someone else\u2019s. In that case, the non-owner liability policy covers damages above the owner\u2019s limits.<\/p>\n\n\n\nBecome a New Customer<\/a><\/h3>\n\n\n\nOccasionally, an insurance agent offers special rates to customers switching. If you’re looking for how to lower your payment, this is one of the easier methods. Just don\u2019t expect to get the same price reduction when you renew!<\/p>\n\n\n\n
Be a Repeat Customer<\/a><\/h3>\n\n\n\nMost insurance companies offer breaks to customers who have multiple policies with them, especially auto or homeowners. In many cases, having a policy within the same household counts, so your spouse or partner\u2019s package can still get you a discount.<\/p>\n\n\n\n
Increase Your Deductible<\/a><\/h3>\n\n\n\nFor collision coverage and comprehensive, you usually have some flexibility in setting your terms. If you\u2019re looking to save on your premium, then you should consider increasing the deductible<\/a>. If your automobile is damaged, the deductible is the amount of money you agree to pay before your policy starts covering the costs. A higher deductible means that you\u2019re covering a larger share of the costs in case of an accident or theft. That\u2019s why the insurer is willing to charge a lower premium when you increase the deductible.<\/p>\n\n\n\nThe downside in this instance is that if there is an accident or theft, you\u2019ll be faced with a higher surprise bill<\/a>. So always make sure the deductible is an amount you\u2019re comfortable paying at a moment\u2019s notice for repairs.<\/p>\n\n\n\nDecrease Your Limit<\/a><\/h3>\n\n\n\nAnother option for collision and comprehensive is to decrease the limit. The limit is the maximum amount the provider will pay if your ride is damaged. Since they are on the hook for less money, a lower limit means a lower premium.<\/p>\n\n\n\n
If your vehicle\u2019s value is well below the limit, then it makes a lot of sense to lower the limit. You might consider further lowering the limit if you\u2019re comfortable doing that. The downside is that you\u2019ll get less money from your carrier if your vehicle is damaged or stolen. Still, if you’re looking for how to lower your payment, this is a great option.<\/p>\n\n\n\n
Pay Your Premium Up Front or Pay Online<\/a><\/h3>\n\n\n\nIt\u2019s usually cheaper to pay the entire premium in advance, annually or six months. If you can\u2019t afford to do that, then opt for the payment plan with as few payments as you can manage \u2014 plans with more installments usually have more added fees.<\/p>\n\n\n\n
In addition, many insurance companies will offer a small savings if you choose to pay online or sign up for automatic payments by credit card or from your bank account. If you do sign up for automatic payments, just don\u2019t forget to set a future reminder to yourself to make sure that there\u2019s enough money to cover the payment!<\/p>\n\n\n\n
Don\u2019t Be Afraid to Shop Around<\/a><\/h3>\n\n\n\nEven if you\u2019re satisfied with your current premium, it\u2019s always a good idea to shop around for new quotes on a regular basis. When your policy is up for renewal, double-check that you\u2019re getting the best deal. Try to get at least two or three additional quotes just to make sure you\u2019re making your decision based on enough information.<\/p>\n\n\n\n
As you request and compare different car insurance quotes<\/a>, it\u2019s important to ask yourself a few questions. This is how to lower your payment with just a few clicks!<\/p>\n\n\n\n\u00b7 Do All the Quotes Consider the Same Information?<\/a><\/h4>\n\n\n\nIf you\u2019ve been involved in any at-fault accidents or traffic violations recently, then you should share this so you can get the most accurate quote.<\/p>\n\n\n\n
\u00b7 Do All the Quotes Have the Same Limits and Deductible?<\/a><\/h4>\n\n\n\nRemember that limits and deductibles affect the premium. That\u2019s why you should make sure you\u2019re comparing \u201capples to apples\u201d and that all the limits and deductibles are the same. If they\u2019re not, contact the insurance company and ask for a revised quote with the deductible and limit you\u2019re looking for.<\/p>\n\n\n\n
\u00b7 Do I Need (or Want) All the Coverage Options?<\/a><\/h4>\n\n\n\nJust because the coverage is available doesn\u2019t mean it makes sense to pay for it. Beyond the legally required minimum liability coverage<\/a>, the purpose of insurance is to help pay for expenses that you couldn\u2019t pay yourself in an emergency.<\/p>\n\n\n\nDiscover How to Lower Your Auto Insurance Payment Today!<\/a><\/h2>\n\n\n\nNow you know how to lower your payment, but do you know who can give you the affordable automobile insurance you\u2019ve been looking for?<\/p>\n\n\n\n
Here at Freeway, we know how annoying it is when your insurance premium keeps going up each year. To get a better deal, it only takes a few minutes to get a quick online quote<\/a> or by speaking directly to an expert at (800) 777-5620<\/a>. Making an in-person<\/a> appointment at one of our convenient locations<\/a> is another great option.<\/p>\n\n\n\n<\/div>\n\n\n\n<\/p>\n\n\n
How much you drive has a bearing. If you have a long commute or like to take big road trips, providers will charge you a higher premium.<\/p>\n\n\n\n
Keep in mind that intentionally misleading the insurance company<\/a> \u2014 for example, providing an address that\u2019s different from where you normally live and keep your auto \u2014 is fraud. If the insurance company finds out that you knowingly gave them incorrect information, they may drop your coverage. In the worst-case scenario, they may even refuse to process a claim if you\u2019re involved in an wreck!<\/p>\n\n\n\n Whether you\u2019re shopping for new coverage or trying to trim costs with your existing insurer, there are plenty of ways to lower your premium and get a better price. For example, if you started working from home and your number of miles decreased, that could be worth some savings.<\/p>\n\n\n\n Most carriers will offer a lower premium if you complete an approved defensive driving course. Your state DMV will have a list of approved defensive driving course providers. It\u2019s even possible to take a course online to fit your schedule!<\/p>\n\n\n\n Once you receive your certificate for completing the course, contact your insurer so it can apply your savings to your next renewal. In addition, completing the course may help give you the skills and preparation to eventually get a good driver discount (more on this later).<\/p>\n\n\n\n Many companies and organizations have arrangements that allow employees and organization members to receive instant discounts. Ask around. You\u2019d be surprised how many employers, alumni associations, social clubs, and other organizations can get you a lowered price on your premium! This is good information whether you want the best rate price on a new car or just want to pay less.<\/p>\n\n\n\n If your driving record shows you haven\u2019t had any at-fault accidents or moving violations, such as a speeding ticket or running a stop sign, in the last few years, then you\u2019re likely to get a reduction for \u201cgood behavior.\u201d Additionally, since getting into crashes and filing claims increases your cost, safe driving plays a significant role to get a better rate and finally get cheap car<\/a> insurance. Establishing good driving habits young is the easiest way and the most important factor in commanding low rates.<\/p>\n\n\n\n If you\u2019re not sure what\u2019s on your driving record, you can find out by contacting your state DMV. You can also contact your carrier to learn about other savings you may qualify for (such as the good student discount in high school and college).<\/p>\n\n\n\n Some companies offer a decrease if you keep a good credit score<\/a>. Some ways to improve your credit report include paying your bills, credit cards, and loans on time. Always remember to pay your premium, and be sure to monitor your credit history and focus on improving it from month to month!<\/p>\n\n\n\n Many insurers offer lower prices if your auto has an anti-theft device or safety features, like anti-lock brakes, installed. Many newer ones already come with an anti-theft system. If you have an older one, it might be worth it to look into installing an anti-theft device or some safety features, such as an alarm. Besides saving you cash, it\u2019ll save you some of the stress and anxiety if your ride is stolen!<\/p>\n\n\n\n Combining your home and auto packages into one comprehensive plan could get you a bundling discount. If you buy home protection from the same carrier as other plans, such as watercraft or renters, your bundling discount could be as much as 25%.<\/p>\n\n\n\n Most companies charge more when they see you\u2019ve had gaps in your coverage, even if it was because you didn\u2019t own a vehicle. The longer you stay insured with no gaps, the lower your premium will be.<\/p>\n\n\n\n If you sell your wheels, it\u2019s still possible to avoid a gap in coverage if you purchase a non-owner liability policy<\/a>. This helps you avoid potentially expensive “gaps” in your coverage. Not only does this save you cash when you need full coverage<\/a> again, but it also protects you if you\u2019re involved in an accident while driving someone else\u2019s. In that case, the non-owner liability policy covers damages above the owner\u2019s limits.<\/p>\n\n\n\n Occasionally, an insurance agent offers special rates to customers switching. If you’re looking for how to lower your payment, this is one of the easier methods. Just don\u2019t expect to get the same price reduction when you renew!<\/p>\n\n\n\n Most insurance companies offer breaks to customers who have multiple policies with them, especially auto or homeowners. In many cases, having a policy within the same household counts, so your spouse or partner\u2019s package can still get you a discount.<\/p>\n\n\n\n For collision coverage and comprehensive, you usually have some flexibility in setting your terms. If you\u2019re looking to save on your premium, then you should consider increasing the deductible<\/a>. If your automobile is damaged, the deductible is the amount of money you agree to pay before your policy starts covering the costs. A higher deductible means that you\u2019re covering a larger share of the costs in case of an accident or theft. That\u2019s why the insurer is willing to charge a lower premium when you increase the deductible.<\/p>\n\n\n\n The downside in this instance is that if there is an accident or theft, you\u2019ll be faced with a higher surprise bill<\/a>. So always make sure the deductible is an amount you\u2019re comfortable paying at a moment\u2019s notice for repairs.<\/p>\n\n\n\n Another option for collision and comprehensive is to decrease the limit. The limit is the maximum amount the provider will pay if your ride is damaged. Since they are on the hook for less money, a lower limit means a lower premium.<\/p>\n\n\n\n If your vehicle\u2019s value is well below the limit, then it makes a lot of sense to lower the limit. You might consider further lowering the limit if you\u2019re comfortable doing that. The downside is that you\u2019ll get less money from your carrier if your vehicle is damaged or stolen. Still, if you’re looking for how to lower your payment, this is a great option.<\/p>\n\n\n\n It\u2019s usually cheaper to pay the entire premium in advance, annually or six months. If you can\u2019t afford to do that, then opt for the payment plan with as few payments as you can manage \u2014 plans with more installments usually have more added fees.<\/p>\n\n\n\n In addition, many insurance companies will offer a small savings if you choose to pay online or sign up for automatic payments by credit card or from your bank account. If you do sign up for automatic payments, just don\u2019t forget to set a future reminder to yourself to make sure that there\u2019s enough money to cover the payment!<\/p>\n\n\n\n Even if you\u2019re satisfied with your current premium, it\u2019s always a good idea to shop around for new quotes on a regular basis. When your policy is up for renewal, double-check that you\u2019re getting the best deal. Try to get at least two or three additional quotes just to make sure you\u2019re making your decision based on enough information.<\/p>\n\n\n\n As you request and compare different car insurance quotes<\/a>, it\u2019s important to ask yourself a few questions. This is how to lower your payment with just a few clicks!<\/p>\n\n\n\n If you\u2019ve been involved in any at-fault accidents or traffic violations recently, then you should share this so you can get the most accurate quote.<\/p>\n\n\n\n Remember that limits and deductibles affect the premium. That\u2019s why you should make sure you\u2019re comparing \u201capples to apples\u201d and that all the limits and deductibles are the same. If they\u2019re not, contact the insurance company and ask for a revised quote with the deductible and limit you\u2019re looking for.<\/p>\n\n\n\n Just because the coverage is available doesn\u2019t mean it makes sense to pay for it. Beyond the legally required minimum liability coverage<\/a>, the purpose of insurance is to help pay for expenses that you couldn\u2019t pay yourself in an emergency.<\/p>\n\n\n\n Now you know how to lower your payment, but do you know who can give you the affordable automobile insurance you\u2019ve been looking for?<\/p>\n\n\n\n Here at Freeway, we know how annoying it is when your insurance premium keeps going up each year. To get a better deal, it only takes a few minutes to get a quick online quote<\/a> or by speaking directly to an expert at (800) 777-5620<\/a>. Making an in-person<\/a> appointment at one of our convenient locations<\/a> is another great option.<\/p>\n\n\n\n <\/p>\n\n\nTips on How to Lower Your <\/a>Coverage Rate<\/h2>\n\n\n\n
Take a Defensive Driving Course<\/a><\/h3>\n\n\n\n
Get Group Insurance<\/a><\/h3>\n\n\n\n
Keep a Clean Driving Record<\/a><\/h3>\n\n\n\n
Have Good Credit<\/a><\/h3>\n\n\n\n
Install Anti-Theft Device<\/a> and Safety Features<\/h3>\n\n\n\n
Bundling<\/h3>\n\n\n\n
Stay Insured<\/a><\/h3>\n\n\n
<\/figure><\/div>\n\n\nBecome a New Customer<\/a><\/h3>\n\n\n\n
Be a Repeat Customer<\/a><\/h3>\n\n\n\n
Increase Your Deductible<\/a><\/h3>\n\n\n\n
Decrease Your Limit<\/a><\/h3>\n\n\n\n
Pay Your Premium Up Front or Pay Online<\/a><\/h3>\n\n\n\n
Don\u2019t Be Afraid to Shop Around<\/a><\/h3>\n\n\n\n
\u00b7 Do All the Quotes Consider the Same Information?<\/a><\/h4>\n\n\n\n
\u00b7 Do All the Quotes Have the Same Limits and Deductible?<\/a><\/h4>\n\n\n\n
\u00b7 Do I Need (or Want) All the Coverage Options?<\/a><\/h4>\n\n\n\n
Discover How to Lower Your Auto Insurance Payment Today!<\/a><\/h2>\n\n\n\n