Q: How can I decrease my car insurance cost after moving to a new state?
Apr 26, 2021

I moved from NY to NJ and GEICO doubled my insurance rate. Is there anything that I can do to decrease the amount? I drive a 2009 Kia Rio, paid off. Do I need collision coverage?

Answer provided by
Shannon Martin
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

“Hope the move went well! First, you need to get multiple quotes for car insurance to find the best rates for the coverage you want.

PIP coverage is a bit different in NJ than in NY and has multiple limit and deductible options. You can adjust this, but try not to significantly lower the coverage if you don’t have to.

Depending on the value of the Kia Rio, you may want to consider removing the collision coverage, as the amount you will pay for this type of insurance over the next couple of years might be more than what the car is worth.

The same is not true of comprehensive coverage. It is usually inexpensive and provides good value for the cost.

Try not to decrease your liability coverage. In fact, you should increase it, if possible.

Bottom line: you should always try to shop around first for better rates and only decrease coverage as a last resort.

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