Auto insurance

4 easy ways to lower your car insurance

As gasoline and car prices reach record highs, the cost of driving is only rising. Your car insurance could be one area where you can save, especially if you drive less.

Millions of Americans are now spending fewer days in the office. That means less time behind the wheel for Michelle Kostyn.

“I’m not going very far anymore, not very far,” she told us as she filled up her SUV with $75 worth of gas.

Cam Ray has also reduced the miles he travels. “I definitely drive less,” he said. “If it’s not necessary, I don’t drive.”

How to lower that insurance bill

But are you still paying the same or more for car insurance right now, even though you’re driving less than you were two or three years ago?

In that case, it’s time to pick up the phone. According to John McCormick of, a quick call to update your mileage could really save you money.

“People don’t think about car insurance, but they really should,” he said. “There are many programs where you get mileage discounts, and it can save you a lot of money.”

Another option is “pay-per-mile” car insurance, offered by companies like Metromile.

“Instead of a flat rate for insurance,” says Gina Minick of Metromile, “our customers pay a low base rate, but they also pay pennies per mile driven.”

Minick says the savings can add up quickly for remote workers and low-mileage drivers.

“For us, that means you drive about 10,000 miles a year or less,” she said.

However, there are things to think about before making a change.

John McCormick says any low mileage program will monitor the number of miles traveled. Metromile says that’s not necessarily a bad thing, especially if you ever have an accident.

“If our insured was not at fault, we have the data to show it,” Minick said.

Ways to save even if you don’t drive less

If you don’t drive less, however, there are other cost-cutting options for you as well.

  • Ask about discounts for safe driving or for student drivers
  • Review grouping options
  • Company comparator
  • Be honest about how much you drive. If not: “Auto insurance may deny the claim,” McCormick said.

So make a few calls so you don’t waste your money.


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