Do Car Insurance Premiums Ever Drop? Yes, They Do

We all know that Auto Insurance rates have a tendency to go up, right? If you started driving as a teen and paid any of your own insurance costs, you’re already aware that Car Insurance can be expensive. Make a single mistake and it can be catastrophic. However, if you’re looking for cheaper Auto Insurance, all is not lost. The truth is that Car Insurance premiums can actually go down for most people over time. Below are the various factors that can land you lower Car Insurance rates.

car insurance
Locate cheap California Car Insurance through a variety of discounts.

Getting Older Is a Good Thing

It’s commonly believed that when you turn 25, your Car Insurance rates are going to dramatically decrease. While that may be true in some cases, that’s not the only reason your premium may drop over time. The truth is that many insurance companies uses years of driving experience, not age, to calculate rates. If you keep your record clear of tickets and accidents, your rates should drop a little bit every few year. And if you haven’t gotten a new Auto Insurance quote in at least six months, you really should. Call an AIS Insurance Specialist at (855) 919-4247 to see if your clean driving record can get you a more affordable premium.

Safety First

Some insurers will offer discounts to older drivers for taking safe driver or defensive driving courses. These are optional courses that provide additional tips to drivers to stay safe on the road. Drivers can save as much as five percent on coverage by completing these courses. The best part? Many of the courses can be found and taken online. If you’re really trying to penny pinch on your monthly costs, taking a driving course could be a simple way to lower your Car Insurance rate.

Muscle Car or Hybrid?

You may want to consider what type of car you’re driving if you’re looking for cheaper Car Insurance, especially in California. Your choice in vehicle is one of the biggest factors in insurance premium calculations. If you’re struggling to choose between that sporty Camaro and the sensible Prius, save your dollars and go green. Also, consider purchasing a car with safety features. These could score you discounts on your premium, too. Not to mention that you will be a safer driver with a backup camera and anti-collision sensors.

Move to a Small Town

Aside from the type of car that you drive, one of the other biggest rating factors for Car Insurance premiums is your zip code. Auto Insurance rates are statistically calculated based on geography. A small town, with less population density, is generally going to have fewer accidents and therefore lower insurance rates. If you’re living downtown, consider an area that has a low car theft and robbery rate. You could see your Auto Insurance rate decrease just by moving to a new, safer neighborhood.

Ditch the Commute

The number of miles that you drive your car annually is always factored into your premium. Does your city have a mass transit option? Have you been offered a job with a lower commute time? Better yet, how about a work at home option? On average, dropping your commute time can lower your Auto Insurance premium by up to 2 percent. Moving closer to work might also be something to consider. That would not only lower your insurance rate, but cut down on your gas costs, too.

Find the Best Car Insurance Discounts

There are many ways to achieve lower Car Insurance rates. Overall, auto insurers want to see that you have several years of a clean driving record, that you are making safe choices and that you are showing other signs of stability. A few other things that insurers look favorably upon include getting married and buying a home. To truly find the best Car Insurance rates, you should get a new quote at least once a year, or every time you go through a major life change. Rates fluctuate constantly, so you might just come across a significantly lower rate. Our AIS agents search multiple top-rated carriers at once so you can find the best rate with a trusted insurance company. Call one of our Insurance Specialists today at (855) 919-4247 to get a free quote or learn about our Car Insurance discounts here first.


The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

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