7 Tips on How to Lower Car Insurance Premiums

Seven Tips on How to Get Lower Car Insurance Premiums

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 seguro para autos with the AARP^® Auto Insurance Program¹ from The Hartford, call 888-546-9099 or read through our tips below:

1. Become an AARP Member

The AARP Auto Insurance Program from The Hartford offers a savings of up to 10% for members of AARP. Discover this and other benefits for AARP Members.

2. Take a Defensive Driving Course

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. Descuentos en Seguros para automóviles for driving training can also apply to those on your policy under 21 years of age.

3. Maintain a Clean Driving Record

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.

4. Drive a Hybrid or Electric Car

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

5. Bundle Your Home & Auto Insurance Policies

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 paquete de seguro para automóviles y vivienda, 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.**

6. Pay Your Premiums in Full

If you pay your insurance premium in full, instead of monthly, your rate for car insurance can go down.

7. Set Higher Deductibles 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.

Common Questions About How to Lower Auto Insurance Costs

How Do I Lower Car Insurance After a Speeding Ticket?

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.

Last Updated: February 8, 2023