{
  "id": 18560368,
  "title": "How to save on car insurance in 2027: Take these steps now",
  "url": "https://urgent.news/2026/11/06/how-to-save-on-car-insurance-in-2027-take-these-steps-now",
  "topic": "world",
  "section": "World",
  "published": "2026-11-06T20:21:42.000Z",
  "source": {
    "name": "CBS News",
    "slug": "cbs-news",
    "url": "https://www.cbsnews.com/news/how-to-save-on-car-insurance-in-2027/"
  },
  "original_language": "en",
  "account": "Car insurance costs can rise unexpectedly, but there are ways to keep your premiums manageable. As we near 2027, consider taking steps now to potentially lower your car insurance expenses.\n\nStart by obtaining quotes from multiple insurers, including your current provider. Remember to compare policies with identical coverage and deductibles for an accurate price comparison. Your current insurer may not always offer the most competitive rate, so switching providers might yield significant savings.\n\nReview your coverage and deductible to ensure they still align with your needs. If you're driving an older vehicle with lower value, you may not require comprehensive or collision coverage. Adjusting your deductible can lower your premiums, but maintain sufficient liability coverage to protect yourself in case of an accident.\n\nCar insurance companies offer various discounts, but you might not be taking advantage of all available ones. Consider bundling your auto and homeowners or renters insurance, enrolling in automatic payments, or completing a defensive driving course. Some insurers also provide discounts for vehicles with safety features or for drivers with clean records. Contact your insurer to assess your eligibility for additional savings.\n\nIf you drive few miles or practice safe driving habits, usage-based insurance programs could be beneficial. These programs track your driving behavior via a mobile app or device and may reduce premiums for safer drivers. However, be aware that participation might lead to higher rates based on your driving habits. Before enrolling, inquire about the use of your information and the potential for increased premiums versus the savings available.\n\nEnsure your annual mileage estimate is up-to-date, as outdated figures can result in incorrect premium calculations. If your driving habits have changed, such as working remotely or reduced commuting, inform your insurer and inquire about potential low-mileage discounts.\n\nFinally, check your policy's renewal date and review your options several weeks before your policy expires. This allows ample time to compare insurers, evaluate discounts, and make changes without rushing. Keep in mind that switching insurers before your policy ends may involve cancellation fees, so verify there are no penalties and ensure your new coverage begins before your existing policy expires.\n\nWhile you can't control all factors influencing your car insurance premiums, acting now can help you secure a more affordable policy for 2027. Even minor adjustments can lead to noticeable savings over time.",
  "summary": "Making a few moves before the end of 2026 could help you secure more affordable car insurance coverage next year.",
  "key_points": [
    "Obtain quotes from multiple insurers for accurate price comparison",
    "Review coverage, deductible, and eligibility for discounts",
    "Consider usage-based insurance if driving few miles or safely"
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}