According to EpicVIN’s data, average annual car insurance premiums are 13% higher than last year. That jump has many drivers wondering why it costs so much to keep a car legally on the road.

Part of the story lies in the cars themselves. Repairing modern vehicles isn’t cheap, especially with EVs and hybrids whose battery packs and electronic systems drive up shop costs. Insurers also pass along the expense of replacing advanced sensors and cameras built into bumpers and windshields.

On top of that, several national carriers have quietly tried to balance losses on homeowners insurance (after years of storms, floods, and fires) by raising auto premiums. The result is that everyday drivers across the U.S. are footing the bill.

The good news: you still have levers to pull. EpicVIN analyzed the market and gathered advice from both experts and ordinary drivers.

Here are seven ways to keep your car insurance rates under control this fall

1. Review your coverage

Not every car needs the gold-plated treatment. EpicVIN analysts reported that drivers with vehicles more than 10 years old often overspend by 30% to 40% because they still pay for collision or comprehensive coverage.

A newer vehicle still justifies full coverage, but for an aging sedan or pickup, liability may be enough. The key is to know your car’s market value before you renew.

2. Raise your deductible

A higher deductible can cut monthly payments in a meaningful way. EpicVIN’s data shows that choosing a $500 or $1,000 deductible can reduce premiums by as much as 35%.

The trade-off is risk, so keep enough in savings to cover that out-of-pocket cost if a car accident happens.

3. Look for seasonal discounts

Fall marks the end of long road trips, which means many people drive fewer miles. Insurers often give “low-mileage” discounts, and EpicVIN found that qualifying drivers save an average of $120 per year.

It’s worth reporting your updated mileage, especially since autumn also brings more deer strikes and slippery leaf-covered roads that make insurers nervous.

4. Take advantage of safety tech

Cars with security systems, strong crash-test ratings, and driver-assist features cost less to insure. EpicVIN reported that only 14% of cars equipped with advanced safety systems end up filing claims compared to vehicles with none.

If your car has features like blind-spot monitoring or adaptive cruise, make sure your insurer knows it.

5. Shop and compare quotes

Rates vary wildly between insurers. EpicVIN highlighted how one driver in Las Vegas cut $600 a year just by switching companies…without any change in driving record.

Don’t automatically renew. Collect at least three quotes before you commit.

6. Improve both your driving and your credit

Tickets and accidents drive costs up fast. A defensive driving course can not only improve your skills but also lower premiums in some states.

Credit history matters too. EpicVIN’s research shows that paying bills on time and improving credit scores can have a noticeable effect within a year.

7. Bundle and ask about discounts

Bundling auto with renters or homeowners coverage saves the average family about $210 per year, according to EpicVIN. Discounts also extend to students with good grades, active-duty military, and drivers who install telematics devices. Even signing up for paperless billing or autopay can cut a few dollars off each month.

Alex Black, EpicVIN’s CMO, explained that many drivers mistakenly think car insurance rates are set in stone

Their research shows otherwise. Something as small as updating mileage or dropping old coverage can make a real difference.

With insurance costs climbing, doing nothing is the most expensive option. This fall is a good time to comb through your policy and make sure you’re not paying for coverage you don’t need.