--- title: 3 Easy Ways to Save on Your Car Insurance description: These steps can keep costs down without sacrificing the scope of your coverage. authors: - name: Liliana Hall role: Reporter url: https://money.com/author/liliana-hall/ bio: Liliana Hall joined Money in 2025. She is an Austin-based reporter for Money, where she covers a range of topics, including financial news, policy, banking, investing, passive income, financial planning and student loan debt. education: University of Texas at Austin at_money_since: 2025 articles: 134 covers: - Insurance - Banking - Business - Career Advice - Credit - Credit Cards - Debt - Economy and Politics - Education - Health and Wellness - Housing - Investing - Lifestyle - Loans - Mortgages - Personal Finance - Pets - Retirement - Shopping - Taxes social: - https://x.com/lilihallllllll - https://www.linkedin.com/in/liliana-hall/ editors: - name: Paul Reynolds role: Senior Editor, Special Projects url: https://money.com/author/paul-reynolds/ bio: Money’s Special Projects Editor, Paul Reynolds, writes and edits stories about many types of insurance, including life, pet, travel and auto. He was previously Money’s Insurance Editor. education: BA, Psychology, Queen's University (Canada), Bachelor of Journalism, Carleton University (Canada) at_money_since: 2020 articles: 95 covers: - Insurance - Banking - Business - Debt - Economy and Politics - Health and Wellness - Housing - Identity Theft - Investing - Lifestyle - Loans - Personal Finance - Pets - Professional Services - Retirement - Shopping - Taxes social: - https://linkedin.com/in/paulreynoldsed/ former_staff: true published: '2025-06-04T20:06:18.000Z' modified: '2025-08-06T17:02:45.000Z' section: Insurance word_count: 694 canonical: https://money.com/easy-ways-to-save-on-car-insurance/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Mechanic looking under the hood of a car, with owner and insurance agent](https://img.money.com/2025/06/Insurance-Car-Ways-To-Save.jpg) Sponsored by: ![](https://s3.consumersadvocate.org/prd/image/image/26371/8065779b-7b8f-480e-8fe6-2d58422763d2.png) With Amica, you’ll find more than great insurance—you’ll find a partner you can trust. Enjoy up to 25% savings on multi-vehicle policies, and experience our compassionate and personalized service. [Go to Amica.com](https://money.com/pr/raf1524e880e?ap_referrer=%2Feasy-ways-to-save-on-car-insurance%2F) When it comes to saving on car insurance, many drivers know the basics — maintain a clean driving record, bundle your policies, and shop around for quotes. But what if you’ve done all that and your rate is still higher than you can live with? That’s a distinct possibility, given what’s been happening to car insurance rates. Prices for automotive policies rose 11.3% in 2024, following a 20.3% increase in 2023, according to the [U.S. Bureau of Labor Statistics](https://www.bls.gov/opub/ted/2025/consumer-price-index-2024-in-review.htm). If your car insurance renewal shows up with a rate increase, even after you’ve followed the best-known steps to save, it’s easy to assume you’re stuck with the hike. But you’re not. Here are some ways to cut insurance costs that are easily done, and don’t get talked about as much. One of them even gives you a safer car in the bargain. And none reduce the scope of your insurance coverage, unlike more drastic moves like eliminating the comprehensive or collision components of your policy. ## Look into low-mileage discounts The average American drives about [14,500 miles per year](https://www.kbb.com/car-advice/average-miles-driven-per-year/#:~:text=How%20many%20miles%20does%20the,Highway%20Administration%20data%20for%202022.). If you’re driving less than that, you might qualify for a low mileage discount. More people are spending less time on the road, since driving habits have changed because of COVID-19. In 2022, more than 20 million people worked from home, [resulting in about 9 million fewer commuters hitting the road](https://www.census.gov/newsroom/press-releases/2024/travel-to-work-since-pandemic.html#:~:text=With%20more%20than%2020%20million,in%202022%20than%20in%202019.) during peak hours compared to 2019. Despite the drastic shift, insurers often don’t automatically apply low mileage discounts. However, many still offer reduced rates for drivers who spend less time on the road, since less time driving generally means a lower risk of accidents. Another way to save if you’re driving less is to consider a pay-as-you-go, usage-based insurance (UBI) plan, sometimes also known as “telematics” coverage. Most insurers offer policies based on how – and how far – you drive, which they measure through an app or device that travels in your car. Many telematics policies consider your mileage traditionally – in ranges that can deliver a discount if you fall within a low range. Others, though, charge you a daily rate for each day you use the car, along with a per-mile charge. UBI per-mile plans are great options for remote workers, retirees or anyone who drives very little, because they provide a flexible and personalized alternative to traditional car insurance. ## Maintain your car well [Regular car maintenance](https://www.amica.com/en/resources/auto/maintenance/regular-car-maintenance.html) won’t directly reduce the cost of your car insurance. But it can help keep your premium down because a well-maintained car is less likely to fail, and cause an accident. The insurance company’s main job when setting your rate is to assess risk, and a well-maintained car is simply less risky. You’re a safer driver when your tires, brakes, windshield wipers, lights and other safety features are in good condition. Key maintenance tasks include the following: - Regularly checking and changing your oil - Regularly checking and maintaining your car battery - [Checking and replacing your brake pads](https://www.amica.com/en/resources/auto/maintenance/replace-my-brakes.html) - [Keeping your tires properly inflated and rotated](https://www.amica.com/en/resources/auto/maintenance/tire-wear-chart.html) - Making sure your headlights, brake lights and turn signals are working properly - Replacing worn windshield wipers - Ensuring your horn works properly - Testing key safety systems like airbags and seat belts Something as simple as routine upkeep can make a real difference because a little preventive care shows that you’re a responsible driver – and minimizes the likelihood of having an accident. ## Increase your deductible One of the simplest ways to lower your premium is by raising your [deductible](https://www.amica.com/en/resources/auto/coverage/how-do-car-insurance-deductibles-work.html) — the amount you pay out of pocket before your insurance policy kicks in when you file a claim. Although a higher deductible means you’re responsible for paying more before insurance starts to cover the costs in the event of an accident, it lowers the potential payout for the insurance company, which often reduces your premium (or limits price hikes). For example, increasing your deductible from $500 to $1,000 could bring your [annual premium down by about 25% on average](https://www.consumerreports.org/money/car-insurance/how-to-save-big-on-your-car-insurance-a5155263103/), depending on your insurer, driving history and other factors. If you don’t drive much or rarely file claims, the long-term savings may outweigh the risk of paying more upfront in the event of an accident. ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/easy-ways-to-save-on-car-insurance/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Insurance", "item": "https://money.com/insurance/" }, { "@type": "ListItem", "position": 3, "name": "Car Insurance", "item": "https://money.com/car-insurance/" }, { "@type": "ListItem", "position": 4, "name": "3 Easy Ways to Save on Your Car Insurance" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/easy-ways-to-save-on-car-insurance/#webpage", "url": "https://money.com/easy-ways-to-save-on-car-insurance/", "name": "3 Easy Ways to Save on Your Car Insurance", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2025-06-04T20:06:18.000Z", "mainEntity": { "@id": "https://money.com/easy-ways-to-save-on-car-insurance/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/easy-ways-to-save-on-car-insurance/#breadcrumb" }, "dateModified": "2025-08-06T17:02:45.000Z" }, { "@type": "Article", "headline": "3 Easy Ways to Save on Your Car Insurance", "articleSection": "Insurance", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2025/06/Insurance-Car-Ways-To-Save.jpg", "width": 2085, "height": 1390, "caption": "Insurance-Car-Ways-To-Save" } ], "author": [ { "@type": "Person", "name": "Liliana Hall", "url": "https://money.com/author/liliana-hall/", "@id": "https://money.com/author/liliana-hall/#author", "description": "Liliana Hall joined Money in 2025. 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