Key Facts

• Insurers have adjusted premiums in recent years amid higher vehicle repair costs, more expensive replacement parts, and rising claim expenses.
• The article recommends requesting quotes from at least three insurers, including your current provider.
• To compare prices accurately, drivers should match liability limits, deductibles, and optional coverage across quotes.
• Drivers with older vehicles that have lost value may want to review whether their current comprehensive or collision coverage still makes sense.
• A higher deductible can lower premiums but means paying more out of pocket after a claim.
• The article advises keeping adequate liability coverage and choosing a deductible the driver can afford.
• Potential discounts may include bundling policies, automatic payments, paying premiums in full, completing an approved defensive driving course, or having certain vehicle safety features.
• Drivers who travel relatively few miles or practice safe driving may consider usage-based insurance.