Saving money on car insurance requires a combination of smart shopping, taking advantage of discounts, and adjusting your coverage based on your needs. Here are some effective strategies:

1. Install A dashcam in your Vehicle

• Dashcams can help provide proof when accidents occur
• Some companies offer discounts for using dashcams Learn More….
• Can Prevent or deter car insurance fraud

1. Shop Around for the Best Rates

• Compare quotes from multiple insurance providers.
• Use online comparison tools or work with an independent agent.
• Check customer reviews to ensure you get good service, not just a low price.

2. Bundle Policies

• Combine auto and home (or renters) insurance for a discount.
• Insure multiple vehicles with the same company.

3. Take Advantage of Discounts

• Good driver discount (for accident free drivers).
• Good student discount (for students with good grades).
• Low-mileage discount (if you drive less than the average).
• Defensive driving course discount (if you take an approved class).
• Military, senior, or professional organization discounts (check if you qualify).

4. Adjust Your Coverage

• If your car is older, consider dropping comprehensive and collision coverage.
• Increase your deductible (the amount you pay out of pocket) to lower your premium.
• Only carry the coverage you need based on your vehicle’s value and your financial situation.

5. Maintain a Good Credit Score

• Many insurers use credit scores to determine rates.
• Pay bills on time and keep credit card balances low.

6. Drive Safely

• Avoid accidents and traffic violations, as these can increase your premiums.
• Consider using a telematics or usage-based insurance program that rewards safe driving.

7. Review Your Policy Annually

• Make sure your coverage still fits your needs.
• Ask your insurer about new discounts or rate reductions.

Reporting Insurance Fraud

Learn how to report insurance fraud

Auto Insurance Fraud

Learn about different types of insurance fraud

Insurance Company Fraud Links

Links to insurance company fraud reporting pages