How Can I Get My Car Insurance Down? 
If you 're auto insurance is just too expensive for you to afford , there are some things you can do to help ease that burden . You may not like some of my advice , but it 's the right advice . A very large part of your insurance premium is the physical damage to the car itself . Raising deductibles will lower your premiums somewhat . Ask yourself if you really need to cover the physical damage at all . If it 's an older car and you own it outright , this could be an option . Before you do this , however , understand that , if your car is damaged , the insurance company will not pay to fix it . One thing not to do is to lower your bodily injury liability limits . You wo n't save very much and you 'll be putting everything you own at risk , including your income . Here 's the advice you may not like : Perhaps you have too nice a car for your budget . If that 's the case , get a less expensive car . Then , when your finances -LRB- or your driving record -RRB- allow , you can always get a nicer car . Talk to an agent you can trust . They can give you advice on these questions as well as others . It also helps if you check rates on a car before you buy it . Everyone loves getting a new car . You just do n't want an unpleasant surprise when your insurance bill comes . 