How to Get a Cheaper Car Insurance Premium

As rising prices squeeze family budgets, Americans are looking to rein in spending where they can and one area where households might be spending more than they need to is on car insurance.

U.S. car insurance rates rose 3 percent in 2021, with the average annual premium now costing $1,529.

A number of factors have contributed to the rise in rates, including higher prices for cars and replacement parts and an increase in crashes.

And, with traffic returning to pre-pandemic levels, insurance premiums are on the rise.

Fortunately, there are ways to reduce your insurance premiums and potentially save yourself hundreds of dollars on your auto insurance.

1. Maintain a Clean Driving Record The best way to reduce your car insurance premium is to drive sensibly and build up your no-claims bonus.

Some insurers offer discounts to drivers with clean records over a long span of driving, which means if you don't make a claim on your insurance, you should see a reduction in your annual cost.

2. Protect Your Vehicle You should take the appropriate steps to ensure your car is as secure as possible from break-ins or from natural disasters.

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