Want to pay less for car insurance in 2025 but still stay protected? It’s all about smart tweaks.
Strategies That Really Work
✅Raise your deductible from $500 to $1,000. Cuts premiums 15–20%.
✅Bundle with home or renters insurance.
✅Use telematics — apps that track your driving can save up to 30%.
✅Improve credit. In many states, better credit means lower rates.
✅Shop every 2–3 years. Loyalty doesn’t guarantee lower rates.
Coverage You Shouldn’t Cut
- Liability: Don’t drop below $100,000/$300,000 — it protects your assets if you cause a big accident.
- Uninsured motorist: Critical if you’re hit by someone without insurance.
Bottom Line
The cheapest insurance is often the riskiest. By smartly tweaking deductibles and taking advantage of discounts, you can save hundreds per year without gutting your protection.