How to Lower Car Insurance

Not sure how to lower your car insurance premiums? Many insurance companies offer discounts and benefits that can help you save money on your auto policies. To see how you can save, check with your insurer’s representatives. They can let you know which ones you qualify for.

 

To learn more about how you can save on car insurance with the AARP^® Auto Insurance Program¹ from The Hartford, read through our tips below:

 

The AARP Auto Insurance Program from The Hartford offers a savings of up to 10% for members of AARP.

 

We offer safe drivers discounts on their insurance coverages. So, if you complete a defensive driving course, you could save on your car insurance rates. Auto insurance discounts for driving training can also apply to those on your policy under 21 years of age.

 

If you’re a safe driver who maintains a clean driving record, you could save on your auto insurance premium. Generally, you’ll need at least five years of an accident-free driving history.

 

We like to reward seniors that drive eco-friendly vehicles, like hybrids or electric cars, with lower insurance rates.

 

If you bundle your car and home coverage with the AARP Auto and Home Insurance from The Hartford, you can save on both policies. With our home and auto insurance bundle, you’ll save up to 5% on your auto insurance coverage and up to 20% on your home, condo or renters policies. You may also be able to bundle your auto and life insurance policies through certain companies to receive a discount.**

 

If you pay your insurance premium in full, instead of monthly, you’ll receive an additional discount on your car insurance.

 

Another way to reduce your car insurance premium is by choosing higher deductibles. For instance, if you currently have a $500 deductible and you raise it to a $1,000 deductible, you’ll reduce your rate.

 

Before you get your insurance, companies look at your credit scores. Generally, the better your score, the less you’ll have to pay.

 

To learn more about how we determine your premium, read through our car insurance calculator page.

 

To help lower your rate after a speeding ticket, you can take a defensive or safe driving course. You can also consider switching car insurance companies to find a better rate. But before you do, make sure you check with your current insurer to see if you qualify for other discounts or benefits.

 

If you’ve been in an auto accident, you’ll want to report it as soon as possible to your car insurance company. During this time, you can also ask if your policy has an accident forgiveness benefit. For instance, if you’ve had a good driving history and get into your first collision, our accident forgiveness benefit can help.^‡ With this, we won’t increase your rate due to your accident or hold it against you as long as all drivers on your Hartford policy have a clean driving record for five consecutive years. You can also lower your monthly insurance rate after an accident by increasing your deductible on your policy.

 

To learn more about discounts and benefits that could lower your car insurance premium, contact us today at 888-413-8970 or get an online quote.