New Year’s resolutions usually involve the gym, eating healthier, or finally organizing the garage. But here’s a resolution that actually saves you money: fixing your car insurance. Most drivers are overpaying, underinsured, or both. And they don’t realize it because almost no one reviews their policy. 2026 insurance resolutions should include a serious look at your coverage, because a one-hour insurance audit can save hundreds of dollars and prevent costly gaps down the road.
Here’s where to start.
1. Audit Your Policy Line by Line
When was the last time you actually read your declarations page? Pull it up and review it carefully.
Check coverage limits, deductibles, and listed drivers. Are you still paying collision coverage on a 15-year-old car worth $2,000? Drop it. Are your liability limits dangerously low because you set them years ago and never revisited them? Increase them.
If you’re not sure what you’re looking at, a quick auto insurance policy review can make those details much clearer.
2. Identify Coverage Gaps Before They Cost You
This is where most drivers are exposed without realizing it.
Do you have uninsured motorist coverage? Roughly 13% of drivers don’t carry insurance, and if one hits you, your options are limited without it.
Do you have rental reimbursement? Without it, a car in the shop means paying out of pocket for transportation.
These add-ons are relatively cheap compared to the problems they solve.
3. Shop Around Aggressively
Loyalty doesn’t pay in the insurance world.
Many carriers quietly raise rates on existing customers while offering discounts to new ones. If you haven’t compared quotes in the last 12 months, you’re likely overpaying. Getting quotes from multiple insurers can easily save 20% or more on identical coverage.
4. Maximize Every Discount You Qualify For
Bundling home and auto insurance, anti-theft devices, clean driving records, autopay, defensive driving courses, these discounts don’t always apply automatically.
Ask for them. Review your insurer’s discount list and make sure nothing is being left on the table.
5. Set Up Automatic Policy Reviews
Insurance should change as your life changes.
New job, new address, paid-off car, teenager getting a license, all of these affect your coverage needs and rates. Set a calendar reminder every six months to review your policy so adjustments don’t get delayed for years.
6. Understand Your Claims History
Pull your CLUE report (Comprehensive Loss Underwriting Exchange) and see what insurers see.
Errors happen more often than people realize. Disputing incorrect claims or outdated entries can directly impact your premium.
Make 2026 the Year You Get Insurance Right
Insurance isn’t exciting, but it’s expensive when it’s wrong.
At QuoteScouts, we help drivers start the year with coverage that works for them, not against them. If you’re setting resolutions this year, make sure one of them protects your wallet long after January.
