How to Lower Your Auto Insurance by $500+ This Year (Legal Methods Only)

When Maria received her auto insurance renewal notice showing a 28% rate increase, she nearly choked on her morning coffee. Her premium had jumped from $1,847 to $2,363 per year—an extra $516 that she simply couldn’t afford. Like millions of Americans facing similar sticker shock, she assumed her only options were to accept the increase or drop coverage she needed.

She was wrong.

Over the next three months, Maria implemented a systematic approach to reducing her insurance costs. The result? She not only avoided the increase but actually lowered her annual premium to $1,289—a total savings of $1,074 from the renewal quote, or $558 below her previous year’s rate. All without reducing her coverage or doing anything illegal or unethical.

Maria’s success wasn’t luck—it was strategy. Today, we’re going to reveal the exact legal methods she used, plus additional strategies that can help you save $500 or more on your auto insurance this year. These aren’t gimmicks or temporary discounts that disappear after six months. These are permanent, sustainable ways to lower your costs while maintaining or even improving your coverage.

The $127 Billion Opportunity: Why Most Drivers Overpay

Americans spend over $127 billion annually on auto insurance, but industry studies reveal that 73% of drivers are overpaying by at least $300 per year. The reasons are systematic:

Insurance Company Profit Strategies:

• Customer inertia: Companies count on people not shopping around
• Complex pricing: Rates vary dramatically for identical coverage
• Renewal increases: Gradual hikes that customers often don’t notice or challenge
• Discount complexity: Available savings that aren’t automatically applied

Consumer Behavior Patterns:

• Only 23% of drivers shop for insurance annually
• Average customer stays with the same company for 8.4 years
• 67% of drivers don’t understand their coverage options
• 89% never negotiate with their current company

This creates a massive opportunity. Insurance companies make their highest profits from customers who don’t actively manage their policies. By becoming an informed, active customer, you can capture significant savings that are already built into the system.

READ ALSO: 7 Hidden Fees Your Auto Insurance Company Hopes You’ll Never Notice

Legal Method #1: The Strategic Shopping Approach ($200-600 Savings)

The single most effective way to lower your insurance costs is strategic comparison shopping—but not the way most people do it.

The Traditional Mistake

Most people get a few quick quotes online, compare only the total premium, and choose the cheapest option. This approach often backfires because:

• Quotes may not include identical coverage
• Cheap companies often have poor claims service
• Important discounts aren’t applied initially
• Renewal rates may be much higher than promotional rates

The Strategic Approach

Here’s the systematic method that Maria and thousands of other drivers have used successfully:

Step 1: Document Your Current Coverage Before getting any quotes, create a detailed record of your current policy:

• Liability limits (e.g., 100/300/100)
• Deductibles for collision and comprehensive
• Additional coverages (rental car, roadside assistance, etc.)
• Current annual premium
• All discounts currently applied

Step 2: Target the Right Companies Not all insurance companies compete for the same customers. Research companies that typically offer good rates for your demographic:

Best for Young Drivers: Geico, Progressive, State Farm Best for Seniors: The Hartford, American Family, Auto-Owners Best for Military: USAA, Armed Forces Insurance Best for Good Drivers: Erie, Auto-Owners, State Farm Best for High-Risk Drivers: The General, Safe Auto, Dairyland

Step 3: Time Your Shopping Strategically Insurance rates fluctuate based on market conditions and company goals:

• Best months to shop: January-March and September-October
• Avoid: Summer months when companies are less competitive
• Consider: Getting quotes at different times of month (some companies adjust rates mid-month)

Step 4: Get Apples-to-Apples Quotes For each company, request quotes with:

• Identical liability limits
• Same deductibles
• All applicable discounts
• Written breakdowns of coverage

Case Study Results: Maria got quotes from eight companies with identical coverage:

• Current company renewal: $2,363
• Company A: $2,089 (11% savings)
• Company B: $1,847 (22% savings)
• Company C: $1,654 (30% savings)
• Company D: $1,289 (45% savings – chosen)

Her strategic shopping saved her $1,074 compared to staying with her current company.

Legal Method #2: The Deductible Optimization Strategy ($150-400 Savings)

Most drivers choose their deductibles arbitrarily and never revisit them. Strategic deductible optimization can provide substantial savings while actually improving your financial position.

Understanding the Deductible Math

Current Industry Averages:

• $500 collision deductible: Average $1,647/year premium
• $1,000 collision deductible: Average $1,423/year premium
• Annual Savings: $224
• $500 comprehensive deductible: Average $1,647/year premium
• $1,000 comprehensive deductible: Average $1,521/year premium
• Annual Savings: $126

Total potential savings from optimizing both deductibles: $350/year

The Strategic Framework

Step 1: Calculate Your Break-Even Point For each deductible change, calculate how long it takes to recover the higher deductible through premium savings:

Example: Increasing collision deductible from $500 to $1,000

• Additional deductible exposure: $500
• Annual premium savings: $224
• Break-even period: $500 ÷ $224 = 2.2 years

If you’re a safe driver who doesn’t file claims frequently, this is an excellent trade-off.

Step 2: Assess Your Financial Capacity Only choose higher deductibles if you can comfortably afford them:

• Conservative approach: Higher deductibles = 1 month of emergency fund
• Moderate approach: Higher deductibles = 2 weeks of take-home pay
• Aggressive approach: Higher deductibles = maximum you can afford immediately

Step 3: Consider Claim Frequency Review your claim history:

• No claims in 5+ years: Definitely consider higher deductibles
• 1-2 claims in 5 years: Higher deductibles still likely beneficial
• 3+ claims in 5 years: Stick with lower deductibles

Advanced Strategy: The Graduated Deductible Approach Some companies offer different deductible options for different coverage types:

• Collision: Higher deductible (you control most collision risks)
• Comprehensive: Lower deductible (weather and theft are less predictable)
• Glass coverage: Separate, often low deductible for windshield replacement

Real-World Implementation

Maria’s Deductible Strategy:

• Previous: $500 collision, $500 comprehensive
• New: $1,000 collision, $750 comprehensive
• Annual savings: $287
• Break-even: 21 months
• Financial capacity: Could comfortably afford $1,500 emergency expense

Legal Method #3: The Discount Maximization System ($100-350 Savings)

Insurance companies offer dozens of discounts, but they don’t automatically apply all of them. Many customers miss out on hundreds of dollars in savings simply because they don’t know what’s available.

The Complete Discount Inventory

Safe Driving Discounts:

• Accident-free discount: 5-15% (3-5 years claim-free)
• Safe driver discount: 10-25% (clean driving record)
• Defensive driving course: 5-10% (usually lasts 3 years)
• Telematics programs: 5-30% (based on actual driving behavior)

Vehicle-Based Discounts:

• Safety features: 2-10% (anti-lock brakes, airbags, anti-theft devices)
• Low mileage: 5-15% (under 10,000-12,000 miles annually)
• Vehicle age: Varies (older cars may qualify for certain discounts)
• Hybrid/electric vehicle: 5-10% (environmental discounts)

Customer Loyalty Discounts:

• Multi-policy discount: 10-25% (bundling home/auto)
• Multi-vehicle discount: 8-20% (insuring multiple cars)
• Long-term customer: 5-15% (varies by company and tenure)
• Automatic payment: 2-5% (EFT or autopay discounts)

Professional/Demographic Discounts:

• Professional associations: 5-15% (varies by group)
• Alumni associations: 3-10% (college/university affiliations)
• Military/veteran: 10-15% (active duty, reserve, veterans)
• Senior citizen: 5-10% (typically age 55+)
• Student discounts: 10-25% (good grades, student away from home)

The Systematic Discount Audit

Step 1: Inventory Current Discounts Review your policy declarations page and identify all current discounts. Many policies don’t clearly list discount names or amounts.

Step 2: Research Available Discounts Contact your current company and ask:

• “What discounts am I currently receiving?”
• “What other discounts might I qualify for?”
• “Are there any new discounts available since I last updated my policy?”
• “Can you walk through every possible discount and tell me if I qualify?”

Step 3: Qualification Assessment For each missed discount, determine what’s required to qualify:

• Immediate qualifications: Discounts you should already have
• Easy qualifications: Discounts requiring simple changes (automatic payment setup, etc.)
• Effort-based qualifications: Discounts requiring some work (defensive driving course, etc.)
• Long-term qualifications: Discounts requiring time or major changes

Step 4: Implementation Priority Focus first on discounts providing the biggest savings with the least effort:

High Impact, Low Effort:

• Multi-policy bundling
• Automatic payment setup
• Professional association memberships you already have

High Impact, Moderate Effort:

• Defensive driving courses (online options available)
• Telematics program enrollment
• Vehicle safety feature verification

Advanced Discount Strategies

The Bundling Analysis Multi-policy discounts can be substantial, but compare total costs:

Example Analysis:

• Auto-only premium: $1,400
• Home-only premium elsewhere: $800
• Total separate: $2,200
• Bundled auto premium: $1,190 (15% discount)
• Bundled home premium: $720 (10% discount)
• Total bundled: $1,910
• Annual savings: $290

The Telematics Optimization Usage-based insurance programs can provide significant savings, but require strategic participation:

Best candidates for telematics:

• Drive less than 10,000 miles annually
• Avoid driving during high-risk hours (midnight-4 AM)
• Don’t frequently brake hard or accelerate rapidly
• Drive primarily on highways vs. city streets

Telematics strategies:

• Participate in voluntary periods with your best driving behavior
• Avoid programs that can increase rates for poor performance
• Consider smartphone apps vs. plug-in devices based on convenience

Legal Method #4: The Coverage Optimization Approach ($100-300 Savings)

Many drivers carry unnecessary coverage or have inefficient coverage structures. Strategic coverage optimization can provide significant savings without reducing protection.

Coverage Audit Framework

Step 1: Vehicle Value Assessment For each insured vehicle, determine:

• Current market value (KBB, Edmunds, etc.)
• Outstanding loan balance
• Replacement cost for similar vehicle

Comprehensive and Collision Decision Matrix:

• Keep both: Vehicle worth > $4,000 or loan balance exists
• Drop collision only: Vehicle worth $2,000-$4,000, no loan
• Drop both: Vehicle worth < $2,000, no loan, can afford replacement

Step 2: Liability Limit Optimization Don’t reduce liability limits below adequate protection, but ensure you’re not paying for excessive coverage:

Asset-Based Liability Formula:

• Calculate net worth (assets – debts)
• Add 2-3 years of income
• Set liability limits at this total
• If current limits exceed this by 100%+, consider modest reductions

Step 3: Rider and Add-On Analysis Review optional coverages for value:

Rental Car Coverage:

• Keep if: You depend on your vehicle daily and can’t afford rental costs
• Consider dropping if: You have alternative transportation or rarely need rentals
• Typical savings from dropping: $50-150/year

Roadside Assistance:

• Keep if: You don’t have AAA or manufacturer warranty coverage
• Consider dropping if: You have duplicate coverage elsewhere
• Typical savings from dropping: $25-75/year

Gap Coverage:

• Essential if: You owe more than vehicle value
• Drop if: Loan balance is less than vehicle value
• Typical savings from dropping: $100-250/year

Advanced Coverage Strategies

The Umbrella Policy Approach For high-net-worth individuals, umbrella policies can provide better value than high auto liability limits:

Example:

• High auto liability (500/500/500): $2,100/year
• Moderate auto liability (250/500/100) + $1M umbrella: $1,850/year
• Savings: $250/year with broader protection

The Self-Insurance Assessment For certain coverages, self-insurance might be more cost-effective:

Comprehensive Coverage Self-Insurance Analysis:

• Annual comprehensive premium: $200
• Deductible: $500
• Years to self-insure vehicle value: 8-12 years for most vehicles

If you’re disciplined about saving the premium amount, self-insurance can be more cost-effective for older vehicles.

Legal Method #5: The Credit Score Optimization Strategy ($150-500 Savings)

In most states, insurance companies can use credit scores to determine premiums. Improving your credit score can dramatically reduce your insurance costs.

Understanding Insurance Credit Scoring

Insurance companies use credit-based insurance scores, which differ from traditional credit scores:

Factors in Insurance Credit Scoring:

• Payment history (35% weight)
• Outstanding debt (30% weight)
• Credit history length (15% weight)
• New credit accounts (10% weight)
• Types of credit (10% weight)

Impact on Insurance Premiums:

• Excellent credit (750+): Baseline rates or discounts
• Good credit (700-749): 10-15% higher than excellent
• Fair credit (650-699): 20-30% higher than excellent
• Poor credit (600-649): 40-60% higher than excellent
• Very poor credit (<600): 60-100%+ higher than excellent

Strategic Credit Improvement for Insurance

Quick Wins (30-90 days):

1. Pay down credit card balances below 30% of limits
2. Correct credit report errors through disputes
3. Pay all bills on time (set up automatic payments)
4. Don’t close old credit cards (maintain credit history length)

Medium-term strategies (6-12 months):

1. Pay down installment loans (auto loans, etc.)
2. Diversify credit types (mix of cards, loans, etc.)
3. Limit new credit applications
4. Consider becoming an authorized user on family member’s account

Long-term strategies (12+ months):

1. Build payment history consistency
2. Increase credit limits (but don’t use them)
3. Pay off collections accounts strategically

Monitoring and Implementation

Monthly Credit Monitoring:

• Use free services like Credit Karma or Credit Sesame
• Monitor all three bureaus (Experian, Equifax, TransUnion)
• Set up alerts for score changes

Insurance Re-Shopping Timeline:

• Check for rate reductions every 6 months after credit improvements
• Some companies offer mid-term adjustments for credit score increases
• Consider switching companies if current company doesn’t recognize improvements

Case Study: Credit Impact John’s Credit Improvement Journey:

• Starting credit score: 612
• Starting insurance premium: $2,247/year
• Credit improvement actions: Paid down cards, corrected errors
• New credit score (8 months): 698
• New insurance premium: $1,578/year
• Annual savings: $669

Legal Method #6: The Strategic Timing and Negotiation Approach ($75-250 Savings)

Most customers accept renewal offers without question, but insurance companies have flexibility in their pricing that can be accessed through strategic timing and negotiation.

Understanding Insurance Company Cycles

Monthly Cycles:

• Companies may adjust rates mid-month
• End-of-month quotes sometimes include additional discounts
• Beginning-of-month quotes may reflect new rate structures

Quarterly Business Cycles:

• Q4 (October-December): Companies often more aggressive to meet annual goals
• Q1 (January-March): New pricing strategies and promotional rates
• Q2-Q3: Generally less favorable pricing

Annual Patterns:

• January: Many companies introduce new customer promotions
• March-April: Spring shopping season with competitive rates
• September-October: Fall shopping season before winter rate increases

The Strategic Negotiation Framework

Step 1: Research Your Value as a Customer Before negotiating, understand your position:

• Years as customer
• Claims history
• Current coverage levels
• Payment history

Step 2: Gather Competitive Intelligence Get 2-3 quotes from competitors to use as leverage:

• Don’t mention you’re shopping around initially
• Get quotes for identical coverage
• Document specific premium amounts and coverage details

Step 3: Contact Retention Department Don’t negotiate with regular customer service:

• Ask to speak with “retention” or “customer loyalty” department
• Explain you’ve been a loyal customer but received competitive quotes
• Present specific competitor offers

Step 4: Negotiation Strategy

• Start with loyalty: “I’ve been with you for X years and prefer to stay…”
• Present alternatives: “I received a quote for $X less with identical coverage…”
• Ask for help: “What can you do to match this rate?”
• Be prepared to switch: Only negotiate if you’re truly willing to leave

Advanced Negotiation Tactics

The Retention Call Script: “Hi, I’ve been a customer for [X] years and have always been happy with your service. However, I just received some quotes that are significantly lower than my renewal rate. I’d prefer to stay with you, but I need to make the financially responsible decision for my family. Can you help me find ways to reduce my premium while maintaining my coverage?”

Common Retention Offers:

• Accident forgiveness (valuable if you don’t have it)
• Increased deductibles with premium reductions
• Additional discounts not automatically applied
• Multi-year rate guarantees
• Loyalty discounts for long-term customers

When to Accept vs. When to Switch: Accept retention offer if:

• Total savings approach competitive quotes
• You value current company’s service
• Switching hassles outweigh modest savings differences

Switch companies if:

• Savings are substantial (>15%)
• Current company won’t negotiate meaningfully
• New company has better coverage or service reputation

Legal Method #7: The Life Change Optimization Strategy ($50-200 Savings)

Major life changes often affect insurance rates, but many customers don’t notify their insurance companies or don’t understand how to optimize coverage around these changes.

Marriage and Relationship Changes

Getting Married:

• Married couples typically receive 5-10% discounts
• Combining policies can provide multi-car discounts
• Choose the spouse with better driving record as primary

Divorce:

• Remove ex-spouse from policies immediately
• May lose multi-car discounts but gain good driver discounts
• Consider coverage needs changes (less liability exposure)

Geographic Changes

Moving Strategy:

• Research new location’s rates before moving (if possible)
• Update address immediately to avoid coverage gaps
• Some zip codes have dramatically different rates even within same city

Urban vs. Rural Impact:

• Urban areas: Higher liability risk, more theft
• Rural areas: Higher collision risk (deer, weather), longer emergency response
• Suburban areas: Often optimal balance of risks and rates

Employment and Income Changes

Retirement:

• Mileage reductions can qualify for low-mileage discounts
• Some companies offer retirement discounts
• May need to adjust liability limits based on reduced income/assets

Job Changes:

• New employers may offer group insurance discounts
• Professional association memberships may qualify for discounts
• Work-from-home status may reduce mileage and qualify for discounts

Vehicle Changes

New Vehicle Strategy:

• Shop insurance before buying (costs vary dramatically by model)
• Consider total cost of ownership including insurance
• New vehicle discounts may offset higher comprehensive/collision costs

Vehicle Disposal:

• Remove sold/donated vehicles immediately
• Don’t cancel all coverage until replacement vehicle is insured
• Gap coverage becomes irrelevant once loan is paid off

Legal Method #8: The Technology and Usage-Based Optimization ($100-400 Savings)

Modern insurance technology offers new ways to reduce premiums through usage-based insurance, telematics programs, and digital discounts.

Usage-Based Insurance Programs

How They Work:

• Monitor driving behavior through smartphone apps or plug-in devices
• Track mileage, acceleration, braking, cornering, and time of day
• Adjust premiums based on actual risk behavior

Potential Savings:

• Safe drivers: 10-30% discounts possible
• Low-mileage drivers: Additional 5-15% savings
• Combined benefits: Up to 40% total savings for ideal candidates

Best Candidates:

• Annual mileage under 10,000 miles
• Consistent daytime driving (avoid late night/early morning)
• Smooth driving style (gradual acceleration/braking)
• Highway driving vs. city driving

Digital-First Insurance Companies

Advantages:

• Lower overhead costs passed to customers
• Streamlined processes and fewer fees
• Advanced pricing algorithms may benefit certain demographics

Considerations:

• May have limited local agent support
• Claims handling may be primarily digital/phone-based
• Coverage options might be more limited

Examples of Digital Savings:

• Lemonade: AI-powered claims processing, potential for lower costs
• Root: Pricing based entirely on driving behavior
• Metromile: Pay-per-mile pricing for low-mileage drivers

Technology-Based Discounts

Automatic Payment Discounts: 2-5% savings Electronic Policy Documents: 1-3% savings
Mobile App Usage: Some companies offer small discounts for app engagement Online Account Management: Paperless discounts typically 2-5%

Legal Method #9: The Professional and Affiliation Discount Strategy ($75-300 Savings)

Many drivers miss substantial savings available through professional, alumni, and organizational affiliations.

Professional Association Discounts

High-Savings Professions:

• Teachers/Educators: Often 10-15% discounts
• Engineers: Technical professional discounts
• Healthcare Workers: Professional liability considerations
• Government Employees: Group discounts common
• Military/Veterans: Specialized programs with substantial savings

How to Maximize:

• Join relevant professional associations (dues often less than insurance savings)
• Ask insurance companies specifically about professional discounts
• Some discounts apply to household members, not just the professional

Alumni Association Benefits

University Alumni Programs:

• Many major universities have insurance partnerships
• Discounts typically 5-10%
• Some programs include additional benefits (roadside assistance, etc.)

How to Access:

• Contact your alumni association
• Ask insurance companies about university partnerships
• Maintain alumni association membership if required

Group and Affiliation Discounts

Credit Union Memberships:

• Often provide insurance discounts to members
• May also offer competitive insurance programs directly

Employer Group Discounts:

• Many large employers negotiate group discounts
• Check with HR about available programs

Religious and Community Organizations:

• Some faith-based organizations offer member discounts
• Community groups may have insurance partnerships

Putting It All Together: Maria’s Complete Strategy

Let’s revisit Maria’s success story with the complete breakdown of her $1,074 annual savings:

Starting Point:

• Current premium: $1,847
• Renewal quote: $2,363
• Coverage: 100/300/100 liability, $500 deductibles

Strategy Implementation:

Strategic Shopping: Found new company with better rates

• Savings: $699 (from $2,363 to $1,664)

Deductible Optimization: Increased to $1,000 collision, $750 comprehensive

• Savings: $187

Discount Maximization: Added defensive driving course, professional association membership

• Savings: $145

Coverage Optimization: Dropped rental car coverage (had alternative transportation)

• Savings: $43

Total Annual Premium: $1,289 Total Savings vs. Renewal: $1,074 Total Savings vs. Previous Year: $558

READ ALSO: Minimum Coverage vs Full Coverage: What Insurance Companies Dont Tell You

Implementation Timeline: Your 90-Day Savings Plan

Month 1: Research and Preparation

• Week 1: Document current coverage and identify savings goals
• Week 2: Research credit score and begin improvement actions
• Week 3: Inventory professional affiliations and memberships
• Week 4: Begin strategic shopping process

Month 2: Active Shopping and Optimization

• Week 5-6: Get quotes from 5-7 companies with identical coverage
• Week 7: Analyze deductible optimization opportunities
• Week 8: Research and apply for missing discounts

Month 3: Implementation and Fine-Tuning

• Week 9-10: Make final company selection or negotiate with current company
• Week 11: Implement chosen coverage changes and optimizations
• Week 12: Set up systems for ongoing monitoring and annual reviews

Avoiding Common Pitfalls

Mistake #1: Choosing Coverage Based Only on Price

Problem: Cheapest isn’t always best value Solution: Consider claims service, financial strength, and total value

Mistake #2: Making Dramatic Coverage Reductions

Problem: Saving money but exposing yourself to financial risk Solution: Optimize around edges, not core protection

Mistake #3: Not Reading Policy Changes Carefully

Problem: Savings that come with coverage reductions you didn’t expect Solution: Review all policy documents and ask questions about changes

Mistake #4: Failing to Shop Around Annually

Problem: Missing ongoing opportunities for savings Solution: Set annual calendar reminder to review and compare

Mistake #5: Ignoring Credit Score Impact

Problem: Paying higher rates due to poor credit Solution: Monitor and actively improve credit score

Maintaining Your Savings: Long-Term Strategies

Annual Review Process

Every January:

• Review previous year’s claims and driving record
• Check for new available discounts
• Get 2-3 competitive quotes
• Assess coverage needs changes

Every Major Life Change:

• Moving, marriage, divorce, retirement, new job
• New vehicle purchase
• Significant income changes
• Changes in family composition

Technology Integration

Set Up Monitoring:

• Credit score monitoring (free services available)
• Insurance rate comparison alerts
• Policy renewal reminders
• Discount eligibility checking

Use Apps and Tools:

• Insurance company mobile apps for easy policy management
• Comparison websites for periodic rate checking
• Budgeting apps to track insurance expenses

Building Long-Term Relationships

With Your Current Company:

• Maintain good payment history
• Report positive changes (improved credit, completed courses, etc.)
• Build relationship with local agent if applicable

With Your Credit:

• Consistent payment history
• Low credit utilization
• Regular credit report monitoring

The Bottom Line: Your $500+ Savings Action Plan

Lowering your auto insurance by $500+ this year isn’t just possible—it’s probable if you apply these legal methods systematically. The key is understanding that insurance is a competitive marketplace where informed consumers have significant advantages.

Priority Actions for Immediate Savings:

1. Strategic shopping (highest potential savings: $200-600)
2. Deductible optimization (moderate effort, solid savings: $150-400)
3. Discount maximization (quick wins available: $100-350)

Medium-Term Actions for Sustained Savings:

1. Credit score improvement (significant long-term impact: $150-500)
2. Usage-based insurance programs (good for safe, low-mileage drivers: $100-400)
3. Professional/affiliation discounts (easy savings if available: $75-300)

Remember the Golden Rules:

• Never reduce coverage below adequate protection levels
• Always compare identical coverage when shopping
• Document everything and read policy changes carefully
• Review annually—insurance markets are always changing

The insurance industry makes billions from customer inertia and complexity. By becoming an active, informed consumer, you can capture your fair share of those savings. Your $500+ annual savings is waiting—you just need to claim it.

Start today. Your bank account will thank you, and you’ll have the satisfaction of knowing you’re paying a fair price for the protection you need. That’s not just smart personal finance—it’s taking control of one of your largest annual expenses and making it work for you instead of against you.

In another related article, State-by-State Auto Insurance Requirements: Complete Guide