Author Options:

How can I lower my car insurance? Answered

 I use peerless insurance company and I have two rather large speeding tickets ;D


Taking a defensive driving class every year may speed up the removal of those points.

Raising your deductable, or dropping comprehensive/glass coverage altogether and keeping only the essential liability insurance, will lower your rate. Of course you don't get what you don't pay for; if something happens you'll have to pay for the repair/replacement costs yourself.

You *may* be able to shop around for a better insurance deal, especially if you also have house or life insurance and can use that as bait for an agent or company to cut you a deal in exchange for giving them all your business. But, again, you don't get what you don't pay for; the folks who are cheapest also tend to be the worst in customer service and the stingiest in paying out if something bad happens.

Outside of that: Drive more carefully, maintain a spotless record, and wait however many years it takes for those penalty points to age out... and for your own age and years of driving experience  to increase so you're considered a lower risk.

There is no quick fix. You bought it; you get to pay for it.

Wow thanks for the tips. My rates have been high and I am looking for a place where can get auto insurance in Lakewood co. If you know of any auto insurance companies in Lakewood please let me know.

I think this is a great post! Thank you so much for it! I was wondering how I could get better car insurance and I never thought of raising my deductible! Thanks for this information! It's great.

There are lots of ways to lower your car insurance rates. One of the main ways that can help lower the car insurance rates can be to look around for other companies that may fit your needs. There are many various car insurances out there that are willing to help you fit to your needs as much as possible. Companies appreciate your purchasing and choice to choose them.

"Shop around" is your best short term option. Unless you can get included as a named-driver on someone else's policy?