How long does it take to have your vehicle insurance be less expensive?

[Anonymous]

I have a clean driving record for four years. It’s always costs $246.00 per month. Simply I can’t afford to pay it all for the year either.

[Oliverlogan263]

Here are some things that can help lower your car insurance rates over time:

- Driving experience - The more years you've been driving without any incidents, the lower your rates will go. Most insurers start lowering rates significantly after you've had your license for 5+ years consistently.

- Good grades - If you can show your insurer your report card with good grades, some will give a discount. Especially if you get straight A's they may lower your rates a bit since you're showing responsibility.

- Defensive driving course - Taking a course to improve your skills can get you a discount right away from your insurer for being a safer driver. Community colleges sometimes offer inexpensive weekend options.

- Shop around - Every 6 months to a year, get quotes from other insurers. Rates change and someone may offer a lower rate if you've an even cleaner record by that point. Always good to compare.

- Bundle policies - See if bundling your auto with renter's insurance or something else gets you a multi-policy discount from your company. Every little bit helps!

Hard to say exactly when it would go down, but in another year or two with the same clean record, you should see a noticeable drop. Hope this gives you some ideas to start lowering the costs. Let me know if any of those could help you out!

[jamesgoldman]

Could take years, might not happen if it's a frequently stolen vehicle

My friend in exotic rentals sold his personal Range Rover because the insurance went up to £10,000 a year and it was only worth £20,000 retail

[Anonymous]

Just go to other insurance companies. They'll compete to have you buy at the lowest rate.

[In_Trance]

Depending on where you are and what type of car you drive it could be 10 to 20 years

[Asker]

That’s ridiculous