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The coronavirus means you’re likely driving your car a lot less. If you’re driving has decreased, you should try to get your auto insurance to follow suit. Thankfully, many insurers are already offering discounts. Here’s a breakdown of some of the reductions and then a few tips if you’re not getting a good price.


  • Allstate (and its brands Esurance and Encompass): 15 percent back on premiums in April and May.
  • American Family Insurance: One-time $50 payment for each insured car.
  • Liberty Mutual: 15 percent refund on premiums for April and May.
  • Geico: 15 percent credit for auto and motorcycle insurance customers whose policies renew between April 8 and October 7.
  • State Farm: 25 percent credit to its customers who have paid premiums between March 20 and May 31.
  • Farmers Insurance (and its brand 21st Century Insurance) 25 percent discount on April premiums.
  • Progressive: 20 percent credit on April and May premiums.


  • Lower Your Mileage

Call your insurance agent and tell them that your car will be driving less than less than 5,000 miles (or lower if possible). Doing so could save you 30% or more, according to Money.

  • Remove Any Business Designation

If any of your vehicles are designated for business, remove that label right away. Doing so will save you roughly $150 per year per vehicle.

  • Shop Around

Now is a great time to shop around for a new insurance policy. Insurance companies aren’t doing well because people aren’t driving — and crashing — as much. If you call your current agency and threaten to cancel your policy, there’s a chance you’ll get an even better deal than they’re already offering. Likewise, if you call insurance companies for quotes, explaining that you’re ready to move on, the sweet deals will roll in for you.