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7 Ways to Lower Your Car Insurance Rate

These reasons range from the value of your vehicle to your driving habits and lots of factors in between.

Some things are out of your control, such as rising costs to fix your vehicle or increasing medical costs and fraud.

The good news is, there are some things you might be able to do to lower your insurance rate if it seems too expensive.

Here are some ways to save on car insurance1

  1. Increase your deductible
  2. Check for discounts you qualify for
  3. Compare auto insurance quotes
  4. Maintain a good driving record
  5. Participate in a safe driving program
  6. Take a defensive driving course
  7. Explore payment options

1. Increase your deductible

Depending on your insurance provider, paying a higher deductible (the amount you pay out of pocket before your insurance coverage kicks in, in the event of an incident) is typically a quick and easy way you can make your car insurance payments less expensive.

You may be able to do this directly online or through your insurance company’s mobile app. Keep in mind you need to be prepared to pay the deductible amount yourself if you get into an accident. Make sure you have enough savings set aside to cover your deductibles to be safe.

2. Double check what discounts you qualify for

Research what discounts are offered by your insurance company to make sure you’re getting the best price on your car insurance.

There may be some discounts you didn’t know about. Liberty Mutual offers several different types of car insurance discounts that range from going paperless to signing up for a new policy before your old one ends.

Common discounts to lower your auto insurance1

  • Buying your policy online
  • Enrolling in preferred payment options such as automatic payment
  • Bundling you car insurance with your home insurance or multiple vehicles
  • Participating in a safe driving program like RightTrack®
  • Having advanced safety and anti-theft features in your car
  • Having an energy-efficient car
  • Being a good student or being away at school for teens or young drivers
  • Being an active, retired, or reserved member of the military

Some companies may even offer discounts for things like parking in a garage (especially if you live in a high-theft area) or how much you drive.

3. Shop around for car insurance

Be sure to get several quotes online, or even from a local insurance agent.

Keep in mind that the cheapest insurance isn’t always the best. Focus on the coverage you need and make sure you’re getting quotes that reflect that. If you think a cheap car insurance quote is too good to be true, it likely is.

If you find a good deal, you’ll want to learn more about how to switch car insurance companies.

4. Maintain a good driving record

Safe drivers always save with Liberty Mutual. In addition to protecting yourself and others on the road, it pays to drive safe.

Always avoid speeding, getting into accidents, and other driving incidents. Not only do you prevent expensive speeding tickets or other moving violation costs, you also help keep your insurance rates lower by proving you’re a less risky driver.

Additionally, if you have a claims-free or violation-free history, you can receive additional discounts.

5. Sign up for our safe driving program

Don’t have the best driving record or got into an accident recently? There’s always room to improve. Regardless of your driving record, you can demonstrate your safe driving habits with our safe driving program, RightTrack®

This program can be a great way to proactively prove you’re a responsible driver without having to wait for your insurance rates to lower after an accident or driving violation.

The biggest benefit to participating in RightTrack is the option to save up to 30% on your premium for the lifetime of your policy. You even get a discount just for signing up and participating.

While participating in RightTrack, we’ll observe your driving habits and reward you for safe driving. Some of the behaviors we track include braking, acceleration, nighttime driving, and how much you drive overall.

We offer 4 RightTrack programs, based on where you live. Check your progress on the go with the RightTrack and Liberty Mutual mobile apps. Or set it and forget it with RightTrack plugin devices and car tag devices that monitor your driving habits automatically.

Learn more about how you can save on your car insurance with RightTrack.

6. Take an accident prevention course

Driving courses are not just for new drivers. At Liberty Mutual, we offer a discount to policyholders in certain states who complete a qualified accident prevention driver course. Some courses can even be completed online.

7. Explore payment options

If you can be flexible with your payment methods, you could save on your car insurance premium.

Liberty Mutual offers a discount if you pay for your policy with one or two annual payments. You can also save if you pay with a preferred method, such as linking a bank account.

Another option is to go paperless for your account statements and communication – you’ll save on your policy and help the environment. It’s a win-win.

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