How to Save Money on Car Insurance in 2025 (while keeping coverage consistent)
Introduction
Car insurance is an expense we all have to pay for. It doesn’t mean it has to be overpaid. With insurance premiums rising, many drivers are looking for simple, sensible ways to get cheaper insurance while keeping the insurance coverage they need. If you are doing your research in trying to figure out how to save on your premiums, you have finally come to the right place. You’ll see how using a tried-and-tested insurer can help.
Why You May Be Overpaying
If you have had the same insurer for several years, you don’t compare rates yearly and/or you don’t know what discounts might be available, there is a good chance you are overpaying for your insurance. The fact is, if you chose a provider that offers you options to determine your own insurance premiums, discounts and supports your local community, there is a strong likelihood to save.
5 Simple Tips to Help Reduce Your Auto Insurance Premiums
Bundle Your Coverage
When you bundle your auto insurance with a homeowners or renters insurance policy, you may qualify for multi-policy discounts of up to 25% (in most cases). Bundling is a quick and easy way to save money on insurance premiums!
People share:
Say hello to Jason & Brianna.
And their $1,356 Surprise.
Jason and Brianna thought they were getting a good deal on auto insurance. Until they received a quote from State Farm. In just a few clicks, they figured out they could save $1,356 by switching to State Farm.
Same cars. Same coverage. Less hassle.
With the extra money, they were able to plan a weekend trip they had been putting off.
“We didn’t even realize we were overpaying,” Brianna said. “Switching to State Farm was easy.”
Now, they’re telling people. Saving over a grand feels great!
Want to see how much you could save?
Use a Safe Driving Program
Usage based programs like “Drive Safe & Save™” from State Farm, can offer savings tailored to low-mileage and thrifty drivers. They’re a good option for drivers wanting the reward for their good behavior.
Change Your Deductible
You can usually save on your monthly premium by increasing your deductible. Just be sure it’s an amount you would be able to budget for during an emergency, if you have to file a claim.
Reassess Every Year
Your insurance needs change as do rates in the marketplace, and to make sure you don’t lose new discounts, or to assess if your policy continues to match your lifestyle, then a yearly review is a good idea.
Look After Your Credit
In many states your credit profile has an effect on your rate. Improving your score may allow you to qualify for lower premiums over time and especially with companies that incorporate it into their pricing models.
Bottom Line
You won’t have to make a big sacrifice to enhance your car insurance cost. Taking a few, small steps across the board (along with a trusted insurance provider) will help you save and ultimately get better coverage.
