Car insurance is essential for any vehicle owner, not only because it’s required in most states, but because it protects you in case of accidents or theft. But you don’t necessarily have to pay a premium to get good coverage. There are several things you can do to reduce your car insurance costs without sacrificing good coverage. Here are a few simple ways to save on car insurance, so you can stay legally compliant without paying more than you need to.

1. Shop around for better rates

One of the most obvious ways to reduce your car insurance costs is to just shop around. Insurance premiums can vary a lot between providers based on how they calculate risk and set their pricing. It’s a good idea to compare quotes from several insurers to see if you’re getting the best deal for the coverage you need. Remember, the cheapest policy probably isn’t the best—consider the coverage details and research insurer’s reputation, too.

2. Increase your deductible

Opting for a higher deductible can lower your insurance premiums a lot. The deductible is the amount you pay out of pocket before your insurance coverage kicks in when you make a claim. By agreeing to pay more up front, you lower the financial risk for the insurer, which usually results in lower monthly or annual rates. Be sure you choose a deductible amount you can comfortably afford if you do have to make a claim.

3. Take advantage of discounts

Most insurance companies offer a range of discounts that can reduce your premiums if you qualify. These include discounts for a good driving record, multiple vehicles insured under the same policy, being a member of certain professional organizations, or having a vehicle equipped with anti-theft devices or advanced safety features. Additionally, many insurers offer discounts to students with good grades or drivers who complete approved defensive driving courses. Always ask your insurer what discounts are available and make sure you’re taking advantage of any that you’re eligible for.

4. Reduce coverage on older cars

If you own an older vehicle, reducing its coverage can save you money. For example, if your car is worth less than 10 times the premium, paying for comprehensive and collision coverage may not be cost-effective. Use resources like Kelley Blue Book to check your vehicle’s current value. Then, assess whether the cost of coverage is worth it compared to the cost of having to replace  your car or repair damage to it.

5. Bundle insurance policies

Another way to save on car insurance is to bundle it with other types of insurance, like homeowners or renters. Most insurance companies offer big discounts to customers who have multiple policies with them. That simplifies your financial management by having all your policies in one place and reduces your overall insurance costs.

6. Boost your credit score

In a lot of states, insurers use your credit score as a factor in determining your insurance premiums. Statistically, individuals with higher credit scores are deemed to be lower risk because they manage their financial affairs well, and that seems to translate to less risk overall. By boosting your credit score, you can potentially lower your insurance costs. You can improve your credit score by paying your bills on time, reducing your debt levels, and ensuring your credit report is free from errors. Also check out Brigit’s Credit Builder1 for help building credit.

7. Drive fewer miles

Consider joining a carpool, using public transportation, or telecommuting if possible. Many insurers offer low-mileage discounts to drivers who log fewer than the average number of miles per year. If you drive less, you pose a lower risk of getting into an accident, which could qualify you for lower premiums.

8. Keep your driving record clean

A clean driving record—free of accidents, traffic violations, and insurance claims—can make a significant difference in your insurance rates. Insurers value safe and responsible drivers and often reward them with lower premiums. Practice safe driving habits, and your wallet will thank you over time.

1Impact to score may vary. Some users’ scores may not improve. Results will depend on many factors, including on-time payment history, the status of non-Brigit accounts, and financial history. Results show that customers with a starting credit score of 600 or below were more likely to see positive score change results. A Brigit subscription is required. Credit Builder loans are not available in all states.