How to Lower Car Insurance
Table of Contents
7 Proven Tips That Actually Work
How to lower car insurance is one of the most searched questions among drivers — especially in a market like Dallas where premiums can be steep. Whether you’re a new driver, a high-risk profile, or just tired of rising costs, there are real, legal, and effective ways to lower your monthly rate.
At GI Auto Insurance, we specialize in helping Texans get affordable car insurance without compromising coverage. Here’s how you can lower your costs — starting today.
Why Your Car Insurance Premium May Be Too High
Before we get into the tips, it helps to understand what affects your premium:
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Age and driving experience
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Type of vehicle
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Driving history (accidents, tickets)
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Credit score (in Texas)
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Location (Dallas zip codes matter)
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Type of coverage and deductible
Now, let’s talk about the 7 ways you can lower your car insurance and start saving more each month.
1. Shop Around and Compare Quotes
The biggest mistake drivers make? Sticking with the same provider for years without checking the market.
Platforms like The Zebra, NerdWallet, and Policygenius allow you to compare rates across dozens of companies — but working with a local agency like GI Auto Insurance gets you tailored results fast.
Tip: Shop around every 6 to 12 months. Rates change.
2. Raise Your Deductible
Your deductible is the amount you pay out of pocket before your insurance kicks in. A higher deductible = a lower monthly premium.
| Deductible | Average Monthly Premium |
|---|---|
| $500 | Higher |
| $1,000 | Lower |
If you rarely make claims and can afford the out-of-pocket expense, this strategy can save you hundreds annually.
3. Bundle Policies for a Discount
Bundling your auto insurance with home, renters, or even business insurance can lead to significant savings — often up to 25% off.
See our Renters Insurance Options
Explore Business Insurance Plans
4. Improve Your Credit Score
In Texas, your credit score can impact your insurance premium. Improving your credit can reduce your rate over time.
Simple steps:
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Pay bills on time
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Pay down debt
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Avoid opening too many new accounts
Resource: MyFICO – How Credit Affects Insurance
5. Ask About Discounts You Didn’t Know About
Here are just a few discounts we help our clients unlock at GI Auto Insurance:
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Safe driver discount
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Multi-car discount
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Low mileage discount
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Good student discount
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Defensive driving course
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Military or occupation-based discounts
Most companies won’t tell you unless you ask.
6. Switch to Usage-Based or Telematics Insurance
Some insurers offer programs that track your driving habits (via a mobile app or plug-in device). Safe drivers can save 10% to 40% depending on their behavior.
Ask us about which of our partners offer usage-based insurance.
7. Remove Unnecessary Coverage
If you drive an older vehicle that’s fully paid off, you may not need comprehensive or collision coverage.
Make sure you’re not overinsured for your car’s value. Learn how car insurance works here.
Now You Know How to Lower Car Insurance — Let’s Make It Happen
If you’re serious about lowering your car insurance, don’t go it alone. Let GI Auto Insurance help you compare rates, unlock discounts, and get the right coverage at the right price.
Contact us now or visit one of our Dallas–Fort Worth locations for a fast, friendly quote.
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Frequently Asked Questions
Shop around and raise your deductible. Also ask about discounts you may already qualify for.
Every 6 to 12 months. New providers and discounts appear all the time.
Yes. In Texas, your credit score is legally allowed to affect your rate. Improving your score helps.
Usage-based or pay-per-mile insurance often offers big savings for drivers who don’t drive often.
No. You’ll still be legally insured, but you won’t be covered for damage to your own car. It’s usually best for older vehicles.
Yes. Some insurers still offer discounts like good student or bundling, even if you have a less-than-perfect record.
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