none of us wants to spend more than we need to for car indemnity, but it isn ’ t always obvious how to get lower rates. Dozens of insurance companies, big and minor, are vying for your business. Many have an eye-glazing categorization of policy options, making it difficult to compare policies and human body out who ’ s offering lower car indemnity rates.

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Get started on Insure.com here are eight things you can do to ensure you get beneficial coverage at the cheapest possible rate.

1. Don’t assume any one company is the cheapest

Some companies spend a lot of money on commercials to convince you they offer the lowest cable car policy rates. But no single insurance company is the low-price leader for everyone. The car insurance company that ’ s cheap for one person in one seat might be the most expensive choice for a driver in a different express. The merely way to ensure you ’ re getting the lowest rate possible is to compare car insurance rates. A NerdWallet analysis of rates shows why shopping about is so important. hera are some of the rates we found for a 40-year-old driver buying a full moon coverage policy on a 2018 Toyota Camry LE. Our conjectural driver has good credit and a cleanse drive record, earning a “ effective drive ” dismiss from most car policy companies .

  • In Florida, State Farm would charge $ 1,766 a year, on average — the cheapest rate in the state for a driver without a military connection. Geico ’ s average rate is $ 239 higher .
  • In California, it ’ s the opposite : Geico is cheapest, with an average rate of $ 1,458, and State Farm ’ mho average is $ 423 higher .
  • Progressive is the cheapest choice for New York drivers at $ 1,298 a year on average, but in Florida, it ‘s the most expensive at $ 3,015 .

2. Don’t ignore local and regional insurers

fair four companies — Allstate, Geico, Progressive and State Farm — control condition more than one-half of the nation ’ second car insurance business. But smaller, regional insurers such as Auto-Owners Insurance and Erie Insurance much have higher customer satisfaction ratings than the big names — and they may have lower car policy rates, besides.

3. Ask about discounts

Insurers provide cable car policy discounts, which can mean lower indemnity rates for customers who :

  • Bundle car policy with other policies, such as homeowners insurance .
  • insure multiple cars with one policy .
  • Have a blank drive commemorate .
  • Pay their entire annual or six-month premium at once.
  • Agree to receive documents online .
  • Own a car with certain anti-theft or guard features .
  • Are members of particular professional organizations or consort groups .

Don ’ metric ton be swayed, however, by a retentive tilt of possible discounts. Compare rates from multiple insurers.

4. Work on your credit

Your credit score is a meaning factor in the car insurance quotes you receive except for a few states. California, Hawaii, Massachusetts and Michigan don ’ triiodothyronine allow insurers to use credit when determining car indemnity rates. insurance companies say customers ’ credit has been shown to correlate with their chances of filing claims. A NerdWallet analysis found that having hapless credit can increase people ’ s car indemnity rates by hundreds of dollars a year compared with having good accredit. ( In most situations, a FICO score of 579 or lower is considered “ poor ” credit, but insurers have their own credit models that may have a different shortcut. ) Improve your credit — and get lower policy rates — by paying your bills on time and reducing your debt. Track your build up by checking your accredit score regularly .

See what you could save on car insurance

easily compare personalized rates to see how much switch car indemnity could save you.

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5. Skip comprehensive and collision coverage for an older car

Collision coverage pays to repair the damage to your vehicle from another car or an object such as a fence. comprehensive coverage pays to repair vehicle damage from weather, animal crashes, floods, fire and vandalism. It besides covers car larceny. But the maximum payout under either policy is limited by the value of the car if it ’ randomness totaled or stolen. If your car is older and has a gloomy market prize, it may not make sense to shell out for these types of coverage.

6. Raise your deductible

If you buy comprehensive examination and collision coverage, you can save money by opting for higher deductibles. ( There is no deductible on indebtedness insurance, which pays for the damage you cause others in an accident. )

7. Consider usage-based or pay-per-mile insurance

If you ’ re a safe driver who doesn ’ t log many miles, consider a usage-based insurance platform such as Allstate ’ second Drivewise, Progressive ’ sulfur Snapshot or State Farm ’ s Drive Safe & Save. By signing up for these programs, you let your insurance company track your driving in exchange for possible discounts based on how much you drive, when you drive and how well you drive.

If you drive less than 10,000 miles a year, you might be able to save money with a pay-per-mile insurance platform such as Metromile, Allstate ’ s Milewise or Nationwide ’ s SmartMiles.

8. Check insurance costs when buying a car

You credibly already pay attention to factors such as fuel efficiency and repair costs when picking a car to buy, but you should besides consider indemnity premiums. A NerdWallet analysis of the cheapest cars to insure among top-selling vehicles found the lowest insurance rates are for the Subaru Outback, the Jeep Wrangler and the Honda CR-V .

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