Your coverage
In general, the more coverage you choose and the higher you set your limits, the higher your premium will be.
Factors that affect car insurance rates
What you drive
Having a more expensive car may cost more to repair. If you’re in the market for a new ride, try to avoid overspending on a car.
Your driving history
Having tickets or accidents in your recent history could put you in a higher risk category.
How much you drive
Driving more miles could mean higher rates. Similarly, driving less miles could mean lower rates.
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Your insurance needs will affect your rate.
Balancing cost and coverage is key when you’re buying car insurance. We can help you get coverage that fits your needs.
Your deductibles
If you set a lower deductible, you may pay a higher premium. It comes down to what’s right for your budget.
How you use your vehicle
Your premium could change if you use your vehicle for business, even for deliveries or rideshare information.
Already have a USAA policy?
Check your coverage to see if it still fits your needs.
Other ways to make your car insurance cheaper
You don’t have to sacrifice quality coverage and service to lower your premium. We can help with auto discounts and savings information.
Bundle and save
Save up to 10% when you bundle auto and property policies information. See note 1
Multi-vehicle discount
You’ll save automatically when you have two or more vehicles on a policy. See note 2
Storage discount
Save on your premium if you put your car in storage information. See note 3
Your teen driver can affect your rates.
Because they’re still learning, your new driver could make your rate go up. We can help prepare them and help you save.