How can I avoid paying car insurance?

For years I’ve been paying what feels like an arm and a leg for car insurance, and I’m pretty fed up with it. Is there a way I can just avoid paying for car insurance altogether?

Answer
I’m sorry to hear that you’ve had such a bad experience, but unfortunately, if you plan on driving, you will need car insurance in most states. While you can’t avoid paying car insurance, though, there are several ways to cut your insurance costs. Here are some of the best ones:
  • Check out the Jerry app. The Jerry app uses the information you provide to match you with the best insurance quotes for the best prices. On average, our users save around $879 a year on insurance and we’ll also re-shop your policy every few months. That way, you can always be sure that you’re getting the best price!
  • Be a safe driver. Many companies offer safe drivers discounts between 10 and 23 percent. Companies like Progressive, GEICO, and State Farm offer features that can monitor your driving habits and offer you savings accordingly.
  • Take a defensive driving course. Some insurance companies will offer a discount for those who complete an approved defensive driving course - this can also reduce points on your license.
  • Increase your deductibles. If you choose to take on higher deductibles, the overall cost of your premium will decrease. However, choosing to do so will increase the amount you’ll be responsible for if you are in an accident.
  • Switch to Pay-as-You-Go insurance. If you are a safe, low mileage driver, a usage-based program could dramatically cut your insurance costs. Consider Allstate’s Drivewise, Progressive’s Snapshot, or State Farm’s Drive Safe & Save. By signing up for these programs, you let your insurer track your driving through a telemetric device installed in your car in exchange for possible discounts based on how much, when, and how well you drive. If you drive fewer than 10,000 miles a year, you might be able to save money with this type of program.
Hope this helps, and happy saving!
Chloe Jenkins
Answered on Dec 29, 2021
Chloe has a BA in Communication and Media Arts from Montclair State University and more than four years of experience in content writing, editing, and research. Before getting behind the keyboard at Jerry, Chloe was an Assistant Coordinator at her university and a film enthusiast working for the Montclair Film Festival. When she's not writing about car insurance, she spends her time with her pets, playing video games, or enjoying long weekend hikes.
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