High Car Insurance? Easy Steps to Switch and Save More

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Key takeaways

Shopping around and comparing car insurance quotes from different companies ensures you get the best deal.
Consider what type of coverage you need, from comprehensive to general car insurance.
Defensive driving, improving your credit score, and exploring usage-based insurance can help reduce premiums further.

Struggling with high car insurance premiums? You’re not alone. Many drivers find themselves paying more than they need to for coverage, often without realizing that switching insurance companies could save them hundreds of dollars a year. The good news is that changing providers doesn’t have to be complicated. By following a few simple steps, you can easily shop around for better rates, compare policies, and switch insurers without hassle. In this article, we’ll share tips to help you find the best car insurance rates and save on your premiums.

Shop around and compare insurance rates

Shopping around and comparing rates is the first step in securing affordable car insurance. Experts recommend doing this at least every six months, especially if you’ve had a significant life change like getting married or adding a new driver. Car insurance policies typically last for six months, and you can change them anytime you find a better quote.

The reason it’s so important to shop around is that insurance premiums vary widely from one company to another. What may have been the best deal a few years ago (or even a few months ago) may no longer be the case. Comparing auto insurance quotes from different providers can reveal significant savings – sometimes hundreds of dollars. Here’s how to go about it and why it’s worth the effort.

Why it’s important to rate shop

The cost of car insurance is influenced by various factors, from your driving history to your location, age, kind of car you drive, education level, and even credit score. Because each insurance company weighs these factors differently, rates can vary dramatically. That’s why it’s critical to shop around every few months—even if you’re satisfied with your current provider.

Here are a few reasons why rate shopping is essential:

Rates change over time: Insurers periodically adjust their premiums based on claims, market conditions, and regulatory changes. A once competitive company might not be the best deal anymore.
New discounts may be available: Different companies offer different discounts. By comparing rates, you might find new opportunities to save that weren’t available with your current insurer.
Competition benefits consumers: With so many car insurance companies competing for your business, you can leverage competition to your advantage. Often, simply telling your current provider that you’re considering switching can result in a better deal.

How to compare car insurance quotes

When comparing car insurance rates, the first step is to get insurance quotes from multiple companies. Many insurance websites offer online tools where you can input your information and get a quick estimate. Additionally, you can work with an independent broker who can provide insurance quotes from several companies at once.

Here’s what to keep in mind as you compare:

Look at coverage levels: Make sure you’re comparing the same type of coverage for each quote.
Understand deductible differences: A lower premium might come with a higher deductible, which means you’ll pay more out of pocket if you file a claim.
Consider additional perks: Some insurers offer extra benefits such as roadside assistance, accident forgiveness, or rental car coverage. Factor these into your decision if they’re valuable to you.
Check the company’s reputation: Price isn’t the only factor to consider. Look into the company’s customer service ratings, claims process, and financial stability.

Keeping these factors in mind will help you get a clear picture of which provider offers the best car insurance for you.

What do you need to compare auto insurance quotes?

When gathering auto insurance quotes, having the right information at hand will make the process faster and ensure that you get accurate comparisons. To compare, you’ll need:

Your current policy details: Have a copy of your existing coverage so you can match the coverage types and limits across quotes.
Driver’s license information: You’ll need this for all drivers listed on your policy.
Vehicle information: Provide the make, model, year, and VIN (vehicle identification number) for each vehicle you’re insuring.
Driving history: Be prepared to share details about your driving record, including any accidents or violations in the past several years.
Mileage and usage: Auto insurance companies often ask how much you drive annually and whether it’s primarily for personal use or commuting.

You’ll also need to determine your desired coverage type to effectively compare insurance quotes. Once this information is ready, you can quickly compare quotes online or through an insurance broker.

Consider what coverage you need

Choosing the right type of coverage is essential to finding a policy that meets your needs without overpaying. All states require drivers to have car insurance – New Hampshire being the only exception – but not all require the same amount of protection. Take a look at your state’s laws and consider how much coverage you need.

Liability car insurance

Liability car insurance is the minimum requirement in most states and covers damage to other people or property if you’re at fault in an accident. It includes both bodily injury and property damage liability. While this option is typically the cheapest, it won’t cover repairs to your own vehicle. Liability-only coverage makes sense if you’re driving an older car with a low market value. Otherwise, you’re most likely better off choosing full coverage.

Full coverage insurance

Full coverage car insurance includes both liability and additional protection, such as collision and comprehensive car insurance. Collision covers damage to your car in an accident, while comprehensive insurance protects against non-accident incidents like theft, vandalism, or weather damage. Full coverage is generally recommended for newer or more valuable cars but comes at a higher premium. This doesn’t mean it’s always expensive. You can find cheap full coverage insurance. If your car still holds value, full coverage provides peace of mind in the event of an unexpected loss.

Optional coverages

In addition to standard coverage, many insurers offer optional policies that provide extra protection. These can include:

Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver without insurance or insufficient coverage.
Roadside Assistance: Offers help in case of breakdowns, such as towing or battery jumps.
Rental Reimbursement: Pays for a rental car while your vehicle is in the shop for accident-related repairs.

Carefully consider which coverages make sense based on your vehicle’s value, your driving habits, and your financial situation.

How you can get the best auto insurance

Getting the best car insurance value requires more than finding the lowest premium. It’s about balancing costs with the right coverage, maintaining good driving habits, and taking advantage of saving opportunities. Below are some actionable steps you can take to secure the best value car insurance without sacrificing quality.

Practice defensive driving

Auto insurance companies heavily consider your driving record when setting your premium rates. Traffic violations, accidents, and reckless driving can significantly increase your premiums. One of the best ways to keep your rates low is to practice defensive driving, which not only keeps you safer on the road but also reduces the risk of accidents and traffic tickets.

Many companies now offer policies based on telematics, also known as ‘black box’ insurance. A small device installed in your car measures various factors like speed, distance traveled, and the time of day you drive. If the data shows you’re a safe driver, you could see a significant reduction in your premium. Plus, the feedback from the device can help you become an even better driver.

Here are a few defensive driving tips:

Obey speed limits and traffic laws
Maintain a safe following distance
Be aware of your surroundings and other drivers
Avoid distractions, such as texting or eating while driving

Some insurers offer discounts for completing a defensive driving course, which can be a great way to lower your premiums further.

Compare car insurance quotes

Shopping around is one of the most effective ways to ensure you get the best auto insurance. Each company evaluates risk differently, meaning car insurance quotes can vary widely for the same level of coverage. Comparing rates from multiple providers allows you to identify the most competitive offers.

As mentioned earlier, be sure to compare policies with the same coverage types and limits to get an accurate assessment. Don’t forget to consider customer service, claim handling, and additional perks when comparing car insurance companies, as cheap insurance quotes may not always offer the best overall value.

Take advantage of discounts

Many drivers miss out on savings simply by not asking about available discounts. Most insurance companies offer a variety of discounts that can significantly reduce your premium, depending on your qualifications. Here are some common discounts to ask about:

Safe Driver Discount: For maintaining a clean driving record.
Multi-Policy Discount: Bundling auto insurance with homeowners, renters, or life insurance.
Good Student Discount: Available for young drivers with high academic performance.
Low Mileage Discount: For drivers who don’t put a lot of miles on their vehicle.
Vehicle Safety Features Discount: You may receive discounts for vehicles that come with modern safety features, including anti-lock brakes and airbags.
Pay Full 6 Months Discount: Often, if you pay for the full six months up front you will receive a lower rate than you’d get if you paid per month.

By actively seeking and utilizing discounts, you can maximize your savings while keeping the coverage you need.

Build your credit

In most states, insurers use your credit score as a factor in determining your premium. However, California, Hawaii, Massachusetts, and Michigan don’t allow this. Insurance companies consider your credit score because drivers with higher scores are less risky and file fewer claims. In return, they are rewarded with lower rates. If your score could use some work, consider raising it by paying bills on time, reducing debt, and keeping credit card balances low.

Improving your credit score can take time, but over the long term, it can lead to better insurance rates and help you save money on other financial products as well.

Look for usage-based insurance

Usage-based insurance (UBI) or pay-as-you-drive, is a relatively new option that allows you to pay premiums based on your driving habits. Using telematics devices or smartphone apps, insurers monitor how you drive, including factors like mileage, speed, braking habits, and time of day. Safe and infrequent drivers can often save significantly with this type of auto insurance.

Here’s how usage-based insurance can benefit you:

Mileage-Based Programs: If you don’t drive much, you may qualify for a low-mileage discount or a pay-per-mile policy.
Behavior-Based Programs: You could receive a discount if you consistently demonstrate safe driving habits, such as smooth braking and avoiding speeding.

Ask the auto insurance company if they offer this kind of plan. If you’re a good candidate, it could lead to substantial savings—especially if you tend to drive less than the average motorist or follow cautious driving habits. Be sure to understand how the data is collected and how your rates will be impacted based on your driving behavior.

What car insurance companies consider when setting rates

Car insurance quotes are determined by several factors, each reflecting the risk an insurer takes by providing coverage. Key elements include your driving record, where a history of accidents or violations can lead to higher premiums. Age and experience also play a role, as younger, less experienced drivers typically face higher rates due to a greater perceived risk.

Vehicle type also matters—expensive cars or those prone to theft can raise premiums, while cars with safety features may lower them. Your location impacts rates too; living in areas with high traffic, theft rates, or accident frequency increases the likelihood of filing a claim.

Insurance companies also consider your credit score in many states, using it as an indicator of responsibility and how likely you are to file a claim. The amount of coverage and deductibles you choose influences your rate—the more coverage, the higher the premium. Lastly, many insurers consider your marital status and gender, though they are weighed less than other factors.

Frequently asked questions

1. What is the average cost of car insurance?

The average cost of car insurance in the U.S. typically ranges from $1,200 to $1,500 per year, depending on factors such as location, driving history, vehicle type, and coverage levels. However, individual rates can vary significantly based on personal circumstances, with some people paying less than $1,000 annually and others paying well over $2,000 for full coverage car insurance.

2. Does comparing coverage impact your credit score?

Comparing car insurance coverage does not affect your credit score. When you shop for quotes, insurers may perform a soft credit check, which doesn’t impact your score. Unlike hard credit inquiries, which occur with loan applications and can slightly lower your score, soft checks are routine and used only to estimate your premium, leaving your credit unaffected.

3. How do you switch your auto insurance?

To switch, compare auto insurance quotes from different providers to find the best rate and coverage. Once you’ve chosen a new insurer, purchase the new policy before canceling your current one to avoid a coverage lapse. Contact your existing insurer to cancel, confirm the cancellation in writing, and ensure you receive any refunds for unused premiums if applicable.

4. How much can you save by switching car insurance?

By switching car insurance, you can save anywhere from 5% to 30% or more, depending on your current premium, driving record, and available discounts with the new provider. Savings vary based on individual circumstances, but many drivers find that comparing rates and switching insurers regularly helps them reduce their annual premiums by hundreds of dollars.

5. Where can I find cheap car insurance?

You can find cheap car insurance by comparing rates from well-known companies. Comparing quotes online can help you find the lowest rates in your area. Be sure to check for discounts like safe driver or multi car insurance bundles to maximize savings.

Bottom line

Switching your car insurance can lead to significant savings without sacrificing coverage quality. Take the time every few months to do a little research on car insurance companies and compare rates. You may just find some new discounts or a lower premium that suits your needs.

Remember to consider factors such as customer service, coverage options, and the company’s reputation alongside cost. Defensive driving, improving your credit score, and exploring usage-based insurance are effective strategies to reduce premiums. Regularly reassessing your insurance needs and rates can keep you from overpaying and help you maintain the best value over time.

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15. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

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Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.