Cheryl Knight

Updated on Jan 23, 2023

Cheap Car Insurance
Lower Your Rate
FAQ

Finding cheap car insurance can feel like searching for a needle in a haystack. So many providers, so many quotes—where do you start?

If you’re looking for quotes, try Jerry.

Jerry is a free app that helps you compare quotes from more than 50 top insurance companies in under a minute. As a licensed broker, Jerry takes care of your insurance needs from start to finish. And it monitors your insurance rate every six months, so you always know you’re getting the best deal.

No more researching minimum insurance requirements or digging around for the lowest premium. Simply compare car insurance quotes online and choose the one that best suits you.

Here’s how much customers were paying for their car insurance before comparing quotes and switching with Jerry.

Quote Date	Car	Before Jerry	After Jerry	Location	Zip Code	Name	Age	Insurance Company
March 21, 2023	Nissan Versa SV	$300/mo.	$193/mo.	Atlanta, GA	30340	Jonathan B.	48	Progressive
March 14, 2023	Kia Cadenza Luxury	$305/mo.	$218/mo.	Prince Frederick, MD	20678	Theresa F.	48	Electric
March 8, 2023	Nissan Rogue Select S	$100/mo.	$96/mo.	University City, MO	63130	Dora H.	27	Progressive
March 5, 2023	Ford Focus SE	$360/mo.	$127/mo.	Brooksville, KY	41004	Norman B.	43	Progressive
March 5, 2023	Honda Accord LX	$420/mo.	$133/mo.	Chico, CA	95928	Kate P.	60	Aspire Advantage

How can you get cheap car insurance?

With Jerry, you’ll be able to compare rates from dozens of top insurance companies in seconds. Just fill out a few questions and let Jerry’s machine-learning system find cheap car insurance quotes for you. It’s the same coverage you already have—but for less.

Once you’re ready to make the switch, Jerry takes care of all the paperwork and even helps you get a refund for any remaining time on your old policy. It’s the quickest, easiest way to get cheap car insurance quotes and save money.

Insurance companies use different formulas to calculate the risk of their policyholders. Using Jerry to review quotes from multiple providers is the best way to find cheap car insurance that meets your needs.

Why compare quotes?

Comparing offers from multiple providers is the best way to find the right coverage at the right price. It all comes down to the factors that influence insurance premiums.

Most insurers consider things like where you live, how old you are, what car you drive, your driving history, and even your credit score. It’s their way of figuring out how ‘high risk’ you are as a driver. And if they decide you’re unlikely to get into an accident or file a claim, you’ll end up with a cheaper premium.

But here’s the thing: each insurance company uses its own formula to calculate this risk. They each weigh the factors a little differently, which means they’ll each rate you a little differently.

Insurance Company	Average Cost	Annual Savings with Jerry
Dairyland	$3,195	$1,037
National General	$2,894	$997
Kemper	$2,699	$909
Clearcover	$2,698	$904
Safeco	$2,816	$885
Progressive	$2,789	$871
Allstate	$2,851	$863
Nationwide	$2,637	$833
State Auto	$2,663	$815
Travelers	$2,710	$773
Compare Prices

So while one company might justify its higher premium because you live in a ‘high-risk’ zip code and have bad credit, another might see you as lower risk and charge you less since you’re a homeowner with a safe car.

State

Before Jerry	After Jerry
$2,337	$1,568

Read more about cheap car insurance in your state:

Why does age impact the cost of insurance?

Across the country, young drivers are typically considered the riskiest to insure. Teen drivers ages 16–19 are more likely than any other age group to get into a car accident, and three times more likely to be in a fatal crash than drivers over the age of 20.

Age Group	Average Cost	Annual Savings with Jerry
18-20	$2,856	$952
21-24	$2,727	$962
25-34	$2,537	$898
35-44	$2,442	$868
45-54	$2,381	$853
55-64	$2,266	$826
65+	$2,257	$822

Age is a significant factor for most insurance companies, but taking advantage of discounts can help young drivers find relatively cheap car insurance.

What you need to get an accurate car insurance quote

When you’re ready to compare quotes, make things easy on yourself by having all the information you’ll need on hand.

Basic information like your name, address, birth date, and occupation
Current car insurance company, if you have an existing insurance policy
Driver’s license information for you and anyone else who will be on the policy
Annual and current mileage on your car, plus information like how often you drive and whether it’s for leisure or work
Vehicle information including your year, make, model, VIN, safety features, and whether you own or lease it
Driving history for the past five years, including tickets, accidents, and any other traffic violations
Coverage needs that meet or exceed your state’s minimum insurance requirements

How can I lower my car insurance rate?

If you want to lower your car insurance premium, you have a few choices:

1. Raise your deductible

Increasing your deductible—the amount you pay for a claim before your insurance company kicks in—will reduce your rate.

Before you do this, make sure that you can afford to pay more out of pocket in the event of an accident or damage to your vehicle. The standard deductible is $500, but many people opt for $1,000 instead.

2. Reduce your coverage

Removing or reducing certain coverages can bring your rates down, but you want to ensure you still meet the minimum required coverage in your state.

Here are some of the main insurance coverages that you might need.

Type of coverage	What it covers
Bodily injury and property damage liability	Bodily injury covers expenses if you injure someone else in an at-fault accident. Property damage helps pay for damage you cause to someone else’s property, including their car, house, and more.
Uninsured/underinsured motorist protection	Uninsured motorist protection covers you if you’re in an accident with an at-fault driver who doesn’t have liability insurance. If they have liability insurance but the limits are too low to cover your medical expenses, underinsured motorist protection kicks in.
Collision coverage	Collision insurance covers expenses to repair your vehicle if you’ve been in a traffic accident, no matter who is at fault.
Comprehensive coverage	Comprehensive insurance covers repair costs unrelated to a collision, such as from a weather event, theft, vandalism, or even hitting an animal while driving.
Personal injury protection (PIP)	Personal injury protection covers medical expenses, lost wages, child care, funeral costs, and other expenses incurred as the result of an accident, whether it was your fault or not.

3. Change your payment plan or term

If you pay your premium all at once instead of monthly, many insurance companies will offer you a discounted rate.

All things considered, the easiest (and quickest!) way to lower your car insurance premium is to compare quotes from different insurance providers. You’ll likely be able to find the same coverage you already have at a lower rate.

Jerry can help you compare rates and, when you’re ready, make the switch to more savings.

Cheap car insurance FAQs

Why does credit impact my car insurance rate?

Your credit score can be an indicator of the level of risk you pose to the insurance company. Statistics show that people with a higher credit score tend to get into fewer accidents and file fewer claims.

Not all states allow insurers to consider credit when setting premiums. The following states prohibit or place restrictions on the use of credit data for insurance purposes:

California
Hawaii
Maryland
Massachusetts
Michigan
Oregon
Utah

What is the minimum car insurance I can have?

Minimum insurance requirements vary by state, so what you’ll need depends on where you live. Almost every state requires coverage for bodily injury liability and property damage liability.

Some also require you to have personal injury protection (PIP) and/or uninsured motorist protection.

While you’re searching for cheap auto insurance, make sure you’re not sacrificing quality or coverage to get a lower rate.

Going beyond the minimum coverage requirements is usually a good idea, and cheaping out could end up costing you more down the line if you need to pay out of pocket.

How can I lower my car insurance costs?

The best way to lower your car insurance costs is by using Jerry to compare quotes and switch policies.

A licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you.