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4 Real Ways to Lower Your Car Insurance Premium

When it comes to your car, being properly insured is important and will protect you in the event of an accident. There are different types of Auto insurance available and changing your coverage can impact your premiums, but in today’s blog, we’ll focus on ways to save without making any changes to the type of insurance you currently have or your coverage limits. Check out our tips below to reduce your car insurance premium and save money.


Adjust your deductible.

An insurance deductible is the amount of money an insured must pay out before the insurer will pay a claim. If your deductible was $500, for example, and you were involved in a fender bender, you would be responsible for the first $500 in damages and your insurer would pay the balance of the covered claim.

Raising or lowering your deductible amount can have a significant impact on your monthly car insurance premium. Contact your local independent insurance agent to talk about your options.

Bundle your insurance plans.

Insurers typically offer discounts to customers who choose to buy two or more types of insurance. If you currently have your Auto policy and Homeowners insurance policy with different companies, ask each to provide a quote of what your premiums would be if you consolidated your insurance plans with them.

Drive safely.

Drivers with a safe driving record are offered lower Auto insurance rates than customers who have a history of accidents. If you have 1+ years without an accident or a speeding ticket, ask your insurance agent about safe driver discounts.

Ask about discounts.

Contact your local insurance agent in California, Colorado, Idaho, Oregon, Washington, or Wyoming and ask about auto insurance discounts. Grange Insurance offers discounts for anti-theft devices, accident prevention courses, anti-lock brakes, and passive restraints. Let us help you start saving money on your Auto insurance today.

The content available via is for informational purposes only and may not be used for any other purpose. Content provided or expressed on, including that of third parties, may not reflect Grange Insurance Association’s (GIA) policies or conform to any agreement you may have with GIA and its subsidiary companies. Please contact a licensed insurance agent to obtain particular advice.

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