To lower your insurance rates, start by addressing the 3 biggest reasons why you and others are likely paying more, namely:
(a) You don’t have consistent prior insurance, meaning no lapses in coverage or reinstatements for any reason.
(b) You don’t have a credit score or you have a low credit score.
(c) You don’t have a valid driver’s license in the state where you live.
Tips to lower your insurance rates:
To sum up, lower rates are possible if you make payments on time for a whole year and don't have any accidents or claims.