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How to lower your car insurance rates


We’d all like to save money, right? And we’d definitely like to send less money to a car insurance company. One way to do so is to simply look in the mirror.

Reducing your car insurance premium is often up to you.  A lot of it depends on two things:

  • How good of a driver you are
  • What type of coverages you want

You can lower your premiums by simply following your state’s minimum requirements for car insurance coverage. Be aware, however, that more could come out of your pocket if you’re involved in an at-fault accident.

You can also reduce rates by reducing the number of drivers on your policy. A word of caution with this route—if you exclude a driver or drivers, they won’t be covered if something happens while they’re behind the wheel.

Another easy way to save money is to have consistent insurance coverage for your vehicle. Avoiding lapses in coverage proves to an insurance company you are responsible for meeting your state’s car insurance coverage requirements, and that you make payments on time.

Your goal: Improve your insurance score

A big factor in your car insurance rate is your insurance score. In simplest terms, your insurance score, similar to a credit score, shows how responsible you are, such as paying your bills on time. That score is factored into your insurance score.

Your credit history plays an important role in your insurance rates. Your insurance score, similar to a credit score, is based on your credit history. Good credit attributes, like paying bills on time, are a measure of responsibility. Better insurance scores are correlated with lower insurance premiums. The impact your insurance score has on your rate will vary by carrier.

Keep your eyes on the road

Finally, and this might seem like common sense, but the better your driving record, the lower your insurance rates. Stay alert, put the phone down, and reduce distractions while driving.

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At Dairyland, we feel strongly about your safety, and we promote that through our Defensive Driving Discount. Check out what you might be able to save today.

Also, make sure you have the coverages you need on the road.


This document is made available by Sentry Insurance Company and its subsidiaries and affiliates (collectively “Sentry”) with the understanding that Sentry is not engaged in the practice of law, nor is it rendering legal advice. The information contained in this document is of a general nature and is not intended to address the circumstances of any particular individual or entity. Legal obligations may vary by state and locality. No one should act on the information contained in this document without legal advice from competent and licensed local professionals. THE INFORMATION CONTAINED IN THIS DOCUMENT IS DISTRIBUTED BY SENTRY “AS-IS”, WITHOUT ANY WARRANTIES. SENTRY WILL HAVE NO LIABILITY TO ANY PERSON OR ENTITY WITH RESPECT TO ANY LOSSES OR DAMAGES CAUSED, OR ALLEGED TO HAVE BEEN CAUSED, DIRECTLY OR INDIRECTLY BY THIS DOCUMENT, REGARDLESS OF WHETHER SUCH CLAIM IS BASED ON CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE AND FOR PROPERTY DAMAGE AND DEATH) OR OTHER GROUNDS.

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