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  • Writer's pictureCharlotte Burr

6 Ways to Reduce your Auto Insurance Premiums


The state of Arizona is #4 in highest auto insurance prices in the U.S. It is important to know how to lower your auto insurance premium. Here are 6 different ways that you could lower your car insurance premium:

  1. Increase your deductible: Your deductible directly affects your auto insurance premium. If you are willing to pay more out of pocket if you are in an accident, an increased deductible will help your premium go down.

  2. Keep a good driving record: If you have a clean driving record then your insurance rates will be lower. Excessive amounts of accidents and speeding tickets can negatively affect your rates.

  3. The type of car you drive: Some cars are more expensive to insure than others. If you drive a sports car to work every day then your premium will be much higher. If you're looking to save money, it is smart to have a practical car that will be easier to insure.

  4. Bundling different types of insurance: Some insurance companies will offer you a discount if you bundle different types of insurance like bundling home and auto.

  5. How much you drive the car: If you work from home or take advantage of public transportation, then your insurance company might offer you a discount because you are not driving much on a daily basis.

  6. Maintain a good line of credit: Your credit score affects your car insurance premium so it is important to keep good credit.


Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…

Disclaimer: Coverage will vary on state, insurance company, and type of policy.

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