So you've done your research, requested the auto insurance discounts for which you are eligible, and still your car insurance premiums are much too high. At this point, it may be time to look for ways to save on car insurance outside of discounts.
If you have maxed out your auto insurance discounts, including the loyalty discount, with your current provider and still struggle to afford your coverage, it may be time to go elsewhere. Switching providers isn't necessarily a foolproof way of getting discount car insurance, but you won't know until you request quotes from other carriers. Take a few minutes to get quotes on our site to see what kinds of offers other car insurers can make. If you find that another carrier can provide the same level of quality at a lower price, make the switch.
Policyholders who have exhausted every possible auto insurance discount but are still burdened by their premiums often need to recalibrate their coverage. The only thing holding you back from discount car insurance may be that you have failed to match your policy to your budget constraints. In other words, you may have more coverage than you really need. Think about eliminating medical payments, collision, comprehensive, and/or uninsured motorist coverage to reduce your car insurance premiums. If your policy doesn't contain any superfluous coverage, think about readjusting your deductibles. Try raising them by $500 to see how it affects your rates.
When auto insurance discounts cannot make your premiums reasonable enough for your budget, some sort of underlying problem usually exists. For example, you might be driving a car that is too expensive to insure on your income. The car may be too new or too pricey for you to expect discount car insurance. In that case, it may be worth your while to sell your car and purchase a more practical model. Similarly, perhaps your driving record is the problem. See if you can remove tickets and other violations from your record by completing traffic school or a comparable program. Finally, don't forget that your financial history can also have a significant impact on your auto insurance premiums. Unpaid bills, large amounts of debt, and errors on your credit report will all inflate your car insurance rates. Review your credit report carefully and take care of whatever problems you can.