Auto insurance tips, in focus
General information only · Not insurance advice
A few minutes spent reviewing your policy can help you understand what you pay for. These are general tips, not advice for your situation. Always check details with your provider.
Know your state’s minimum
Every state sets its own minimum liability requirements. Minimum coverage keeps you legal, but it may not cover the full cost of a serious accident. Review what your state requires and what level of protection you are comfortable with.
Match your deductible to your budget
A higher deductible can lower your premium, but you pay more out of pocket if you file a claim. Pick an amount you could pay without strain.
Review optional coverages
Collision, comprehensive, roadside assistance and rental reimbursement are usually optional. If you have a loan or lease, your lender may require some of them. On an older car, it can be worth checking whether each coverage still makes sense for you.
Ask about discounts
Many providers offer discounts, for example for bundling policies, a safe-driving history, good grades for students or completing a defensive driving course. Availability and amounts vary by provider and state.
Keep your details current
Tell your provider when you move, change vehicles, add a driver or drive fewer miles. Accurate information helps make sure your coverage fits.
Compare before you renew
Providers update their pricing from time to time. Comparing options before your renewal date lets you make an informed choice, with no obligation to switch.
Read the policy, not just the price
Two options with similar prices can have different limits, deductibles and exclusions. Check the details before you decide.
Avoid a gap in coverage
If you decide to switch, set up the new policy before you cancel the old one, so you are never driving without insurance.
Savings vary by ZIP code, vehicle and driving record, and are not guaranteed.