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How can I find insurance that I can afford?
"Is there anything I can do to find a cheaper policy? I have had some really bad luck and been in a few high priced accidents in the past year. Now my renewal will be $500 per month, $375 if I take off full coverage. I can only afford about $100 per month. What should I do?"
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You are in a tough spot. Having multiple accidents close together is a warning sign with all carriers and the rates will be higher. It will take time and a clean driving record moving forward to get lower premiums in the future. Here are a few suggestions in the meantime.
The first option is to start getting
car insurance quotes online
. Your premium will be higher with all carriers, but maybe there is a carrier with something lower. Make sure to include your driving record when you request the quote. This way, the prices you receive will be accurate. Look into taking a defensive driving class online. Many carriers will offer substantial savings and the discount will stay on the policy for 3 years.
If after price shopping, confirming discounts, and lowering the coverage, you still can’t afford a policy, you may need to suspend your vehicle registration and park the car until it becomes more affordable. It is better not to drive at all than to drive an uninsured vehicle.”
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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