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Lower Car Insurance Rate

How to Lower Your Car Insurance

If you’re trying to lower your care insurance premium, it can be tempting to lower your limits or raise your deductibles. However, this can end up hurting you in the long run, as you will end up paying higher out-of-pocket costs in the case of an accident.

Insurance companies determine rates using a number of factors, not just coverage limits and deductibles. Below, we outline a few different factors that you can control to help lower your car insurance rates.

Where you Live
Larger cities tend to have higher rates as densely populated areas mean you are at a higher risk for accidents, theft, and collision. Repair costs may also cost more in some areas, which is taken into consideration for your rate. Finally, urban areas tend to have a higher population of uninsured drivers, which is seen as a higher risk for insurance companies.

What You Drive
Vehicles with higher safety ratings may qualify you for a discount with certain insurance companies. Alternatively, vehicles that are more susceptible to damage, occupant injury, or theft can cause higher premiums.

Vehicle size can also affect your rate. Larger vehicles tend to be safer in an accident and therefore have higher safety ratings compared to some smaller cars. However, cars with larger engines relative to body size tend to have higher rates.

Your Credit History
Studies have shown certain credit information can predict future insurance claims. Because of these studies, many insurance companies use credit history to determine the cost of car insurance. In general, higher scores can help to lower your premium.

Your Job
Careers that require frequent road travel like journalists or delivery drivers are on the road constantly, and therefore are considered more likely to be in an accident, leading to higher rates. Some positions such as a police officer, paramedic, or insurance underwriter are considered more careful than the average driver and therefore receive a lower rate.

Your commute can also affect your rate. If you drive a very short distance to work, you can receive lower rates. Furthermore, those who carpool, bike to work, or take public transportation can benefit from lower premiums since their annual mileage can be considerably less.


A number of other factors can affect your rates including your driving record, age, martial status, and of course, your type of coverage. To find a plan that offers the best coverage and takes advantage of applicable discounts, discuss your needs with one of our agents and we’ll find the perfect fit.