13 Ways to Lower Your Car Insurance Rate You may be wondering, why is my car insurance so expensive and how can I lower it? The cost of car insurance has always depended on many factors, like how much your car is worth and your driving record. But lately, tariffs and inflation have been making headlines as reasons why insurance prices are going up., If you're wondering how to lower your car insurance rates, here's where to start: Shop around, and try these seven other ways to get the cheapest rate., How to lower your auto insurance: 10 ways to save in 2025 With car insurance rates continuing to rise, drivers should explore higher deductibles, discounts, pay-per-mile programs and even switching insurers to reduce their rates., Learn about the key factors that affect car insurance rates, helping you understand how to manage and potentially reduce your premiums., Car insurance premiums have been soaring. Here's how to cut costs without cutting the coverage you actually need., How to Lower Your Auto Insurance Rates in 2025 (6 Simple Steps) Lower your auto insurance rates by finding discounts, evaluating your policy, driving safely, and shopping for quotes. For example, enrolling in a usage-based insurance program could save you up to 40% on the coverage you need. Below, we'll explain ways to reduce monthly rates if your car insurance is too high..