You can save money on your car insurance through the following ways: Shop around: Comparing rates is the best method to see if you're getting a decent bargain on your car insurance. Shop around for a new insurance plan if you believe you're not getting the best deal from your existing provider. Lower your coverage limit or pay higher deductibles: You can vary the cost of your insurance policy by changing the coverage limits and deductibles. Since the plan covers less damage, lowering your coverage limit will likely lower your rate. It is possible that increasing your deductible will also lower your rate because you agree to pay more out of pocket in the event of a covered loss. Take advantage of special offers and insurance bundles: Many insurers may give you a discount if you have an excellent driving record, belong to an affiliated club, or agree to pay for your annual policy in advance. You might also be able to save money by merging your vehicle insurance and other insurance policies with a single provider.