Nine Ways to Lower Your Auto Insurance Premium

Looking for ways to lower the cost of your car insurance? Your best option is to get in touch with your agent and ask if you are eligible for any discounts. You may also want to:

1. Switch to a higher deductible. 

A higher deductible means you pay more out-of-pocket if you are involved in an auto accident. However, it may also result in lower premiums.

2. Add an insurance policy. 

We offer discounts for companion policies. For example, if you take out a renters or home policy with Farm Bureau Insurance, we discount your auto insurance.

3. Reduce coverage on your policy. 

If your car has high-mileage, you may want to drop collision and comprehensive coverage. Make sure to keep enough liability coverage to protect your assets. You are personally responsible for any expenses your insurance doesn’t cover in an at-fault accident. The injured party may sue and win the right to garnish your wages.

4. Drive an older sedan. 

The larger, more expensive, and more specialized your car, the more it costs to insure. Older cars cost less to insure than newer cars, and typically sedans cost less to insure than SUVs, trucks, sports cars, or luxury vehicles.

5. Insure every driver in your family with Farm Bureau Insurance. 

We give you a discount for insuring more than one car, and one year in, we lower your rate even more in order to thank you for your loyalty.

6. Take a defensive driving course.   

It’s never a bad thing to learn how to be a more defensive driver. With proof of completion you may be eligible for a discount on your auto policy.

Avoiding traffic tickets and at-fault accidents is the number one way to keep your car insurance affordable. 

7. Make good grades

If you have any students on your policy, their good grades may mean a discount on your premiums. Some discounts even extend to college graduates who are still under the age of 25.

8. Maintain good credit.

A high credit score indicates a responsible decision-maker and lower risk to insurance underwriters.

9. Drive mindfully.

Avoiding traffic tickets and at-fault accidents is the number one way to keep your car insurance affordable.

Get an Auto Insurance Quote

Get a free quote or speak with an agent to find out what discounts you may be eligible for.