 TITLE: How Much Does Car Insurance Cost? CONTENT: How to Lower Your Car Insurance Rate\n------------------------------------\nNow that you understand what goes into the decision-making process for car insurance, here are some tips to help you qualify for a lower rate:\n*   **Shop around.** One of the best things you can do to score a low rate is to shop around and compare quotes from several insurers. This process could save you hundreds or even thousands of dollars, depending on where you live.\n*   **Ask about discounts.** Insurers offer discounts as an incentive to buy a policy. There are generally discounts available based on your driving habits, your demographics, the vehicle's safety technology and how you plan to use the vehicle.\n*   **Bundle your policies.** If you own more than one vehicle, own a home or are renting, getting all of your insurance policies from the same company can help you save money. Those savings could be as high as 30%.\n*   **Improve your credit score.** If your credit isn't in great shape, look for ways to improve it before you buy a policy. You can get your free credit report and credit score through Experian. Take a look for areas that need work, focusing on some of the more significant factors that go into your credit score, such as account balances.\n*   **Raise your deductible.** Increasing your deductible eliminates some of the risk for the insurance company, so you can generally expect a slightly lower rate. That said, consider raising your deductible only if you're confident you'll be able to pay it in the event of a claim without causing financial distress.\nReview Car Insurance Rates Regularly\n------------------------------------\nCar insurance rates are never set in stone, and the factors that determine yours can change over time. While you may get extra benefits for being loyal to your local grocery store, favorite airline or retailer, that's not always the case with car insurers.\nAs such, it may be a good idea to check in on your car insurance rate every year or two. Consider shopping around a bit to make sure you still have the lowest rate possible. If not, it may be worth switching to take advantage of lower costs elsewhere. You can browse auto insurance offers through Experian and potentially find a cheaper rate. END