How do I pay less than $500 a month for car insurance?

My car insurance bill is $500 a month and I'm sick of overpaying for coverage. Aside from shopping around for quotes and getting the minimum coverage required, what else can I do to pay less for insurance?

Carol Chung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Raising your deductible and qualifying for discounts are two easy ways to lower car insurance costs.
First off, you can raise your deductible on your
collision coverage
to lower your rate. Just make sure you have enough money set aside to pay the higher
if you have to make a claim.
Next, if you have an older car, you can reduce your coverage to pay less. For example, an older vehicle may not need collision coverage and/or
comprehensive coverage
Then, look for redundant coverages. You might be paying for
towing and labor coverage
, for instance, but you already have that benefit somewhere else (like through
AAA membership
or your credit card).
And lastly, ask which discounts you qualify for. There are a lot of them out there, including:
You could also try signing up for a
program which will reward good driving behavior with discounts. Ask your insurer if they offer this type of program.
If you can’t get a low enough rate, look into usage-based policies. Low-mileage drivers can often get cheaper rates simply by driving less and paying only for what they need.
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