How Can I Get Cheaper Car Insurance? 
That is an excellent question , and one that I get asked a lot ! There are a couple of things that you can do to get your insurance rate lowered . The best is to continue to have a claim and ticket free driving record . If your record is clean , many companies will offer a discount . If yours does n't then tell them you are going to drop the policy and switch , and see if that will motivate them to work with you on the rate , or to match the rate of the company you will switch to . -LRB- many will -RRB- . Another way is to add your other policies to your auto insurer 's company . Having multiple cars or policies with the same company will result usually in substantial discounts on all of the policies . The last way , and one I caution you on , is to raise the amount of your deductible . If it is $ 500 now , and you can afford to pay a $ 1000 if you need to , then raise it to $ 750 or $ 1,000 , and get a lower rate . If you 'd have a hard time coming up with $ 500 , I 'd not advise raising it , especially if you 've filed claims before . Ask your agent to help , they are good that way , and thank you for asking ! 