Think you need to switch insurance companies to get a better deal? Think again. Many drivers don’t realize that they can reduce their car insurance premium without ever changing providers. In this guide, we’ll explore smart, practical ways to lower your car insurance in 2025 — all while staying with your current insurer.
1. Review and Adjust Your Coverage
Start by reviewing your current policy. Are you paying for coverage you no longer need? For example, if your car is older and paid off, you might consider dropping comprehensive or collision coverage. Adjusting your coverage levels can lead to noticeable savings on your premium.
2. Increase Your Deductible
Raising your deductible — the amount you pay out of pocket before insurance kicks in — is one of the quickest ways to lower your premium. Just make sure you can afford the higher deductible in case of an accident.
3. Ask About Discounts
Insurance providers offer a wide range of discounts, but many aren’t automatically applied. Ask your insurer if you qualify for any of the following:
- Good driver discount
- Low-mileage discount
- Bundling home and auto insurance
- Military or senior discounts
- Student or alumni discounts
Even a small discount can add up over the course of a year.
4. Take a Defensive Driving Course
Many insurers offer discounts for drivers who complete an approved defensive driving course. These courses are inexpensive, available online, and can save you 5% to 15% on your premium.
5. Improve Your Credit Score
In many states, your credit score plays a role in determining your car insurance rate. Pay down debts, make payments on time, and monitor your credit report for errors. Even small improvements in your credit can lead to lower premiums over time.
6. Drive Less (and Prove It)
If you’ve recently changed jobs, started working remotely, or now drive significantly less than before, let your insurer know. You might qualify for a low-mileage discount or a revised rate based on your reduced driving habits.
7. Use Telematics or a Usage-Based Program
Many insurers offer telematics programs where a device or mobile app tracks your driving habits. Safe drivers often get rewarded with discounts for maintaining good habits like smooth braking, minimal nighttime driving, and low mileage.
8. Schedule a Policy Review
Once a year, request a free policy review from your insurer. They can check for new discounts, reassess your risk profile, and ensure you’re not overpaying for outdated or unnecessary coverage.
Conclusion
Lowering your car insurance premium doesn’t have to mean switching companies. By optimizing your current policy, asking for discounts, and demonstrating safe habits, you can save money without the hassle of changing providers. A few simple changes today could result in major savings over the year — all while staying with the insurer you trust.