Here you’ll find the simplest, most practical ways to lower your auto insurance premiums:

1. Shop Around for the Best Rates 

Comparing rates sounds like a given, but here’s the thing: Too many people stick with the same auto insurance company and same insurance agent because that’s easy. There’s something to be said for brand loyalty, but it’s also important to shop.

Why? Car insurance companies use different algorithms to determine costs. Additionally, many offer first-year deals to new customers.

The easiest way to compare rates is to use an online car insurance search engine, like The Zebra. It breaks down your insurance “in black and white” and compares your policy options from 204 providers in less than 60 seconds.

Just enter information about your car and your coverage needs, and The Zebra shows dozens of side-by-side quotes from top insurance companies for free. We talked to Artie Januario, who found new insurance through The Zebra and managed to knock off $30 a month — or $360 a year — from his premium.

2. Continue to Shop for a Lower Rate Every 6 Months

Comparing rates once won’t cut it. They can change month to month — even day to day.

There are a number of fluctuating personal factors that can affect your insurance rates, including your age, location, marital status and credit score. But consider external factors, too, like natural disasters, crime rates and the economy.

by Carson Kohler

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