How to lower your insurance premium

A few changes apply broadly across auto and home coverage, whether bundled or separate.

By the InsuranU team Updated July 20264 min read

Several savings strategies work whether U are looking at a bundle or individual policies.

Compare before U renew

Insurers price risk differently, so shopping around regularly often finds better rates for the same coverage. Comparing through InsuranU is free.

Higher deductibles on both home and auto lower your monthly premium, as long as U can comfortably cover them.

Compare matched options in a few minutes. It is free and there is no obligation.

More from the auto and home bundle checklist.

How the two deductibles interact.

Which optional coverages actually pay off.

See the real ranges, with a live estimator.

Does raising both deductibles double the savings?

Not exactly, but raising each meaningfully lowers its own premium.

Do all insurers offer the same discounts?

No, which is another reason to compare before U renew.

Tell us about your home and car and your life. We will match you with quotes built around U.