Why Insuring Your Car or Home Online Could Shave Hundreds Off Your Premium—Just in Time for 2025 Rate Hikes

Worried about insurance costs eating up your budget? Home and auto premiums are rising faster than rent or groceries—up over 40% for homes and 56% for cars since 2020. But there’s good news: comparing and customizing your coverage online can slice hundreds off your bill, just as states look at capping runaway rates for 2025. Here’s how you can beat the hikes with a few smart moves right now.

1. Compare Online Quotes—76% of People Save

Many people stick with the same insurer for years, but shopping around online pays off fast. One survey found that

“76% of people who compared multiple insurance quotes saved money on their premiums.”

Don’t just check one site—grab at least three quotes from both traditional companies and new online-only insurers. Look for short online forms that deliver instant price estimates.

Make a list: GEICO, Progressive, State Farm, Lemonade, and more.
Compare coverage types and limits side by side.
Input the same details each time for apples-to-apples results.

Act now—rates are changing rapidly in many states. The sooner you compare, the faster you can lock in a lower rate.

2. Bundle Your Home and Auto for Bigger Savings

A major hidden trick: bundling. Combining your home and car policies with one provider can save you $250–$500 a year. Some companies offer an even bigger discount at renewal.

“Bundling home and auto insurance policies can save an average of $250 per year, with some providers offering savings over $500 when combining at renewal.”

Ask your insurer about bundle deals, even if you already have one policy.
Check if renters insurance qualifies for a discount.

Bundling is easiest when you shop online—many sites show the bundled price right up front. Combine policies before your next renewal for an immediate cut to your premiums.

3. Enroll in Safe-Driving Apps (Telematics) for Instant Discounts

Driving safely? Let your phone reward you. Most auto insurers now have telematics programs—apps or plug-ins that track cautious habits and reduce your rates.

“Drivers who sign up for telematics programs save an average of 10% on their auto insurance premiums.”

Liberty Mutual’s RightTrack: 5% off to start, up to 30% after 90 days.
Nationwide’s SmartRide: Up to 40% off; no penalty for tracking.
State Farm Drive Safe & Save: Up to 30% off for safe behavior.
Progressive Snapshot: Average $145 savings per car.
GEICO DriveEasy: Up to 25% off; tracks smooth braking and phone use.
American Family KnowYourDrive: 10% for enrolling, up to 20% total.

You don’t need to be perfect—just agree to be tracked and watch your rate drop after a few months. Safe drivers and low-mileage families win big.

4. Raise Your Deductible—Here’s How Much You Can Save

Want to pay less each month? Consider bumping your deductible (the amount you pay out-of-pocket if you claim).

“Raising your deductible from $500 to $1,000 can lower your premium by approximately 10%, depending on your insurer and policy.”

Log into your insurer’s site and check deductible options for home and auto.
Calculate: Could you cover a $1,000 claim if needed?

If your savings outweigh the risk, make the switch and pocket the extra money month after month. This works especially well if you haven’t filed a claim in a few years.

Ready to Dodge 2025’s Rate Hikes?

Insurance can feel overwhelming, especially as premiums rise. But a few minutes online—comparing quotes, bundling, enrolling in safe driver programs, and adjusting your deductible—can cut your costs by hundreds each year. Don’t wait for next year’s hikes to hit—grab your savings today: get those online quotes and check for bundle and safe-driving deals while they last!