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How can I get cheaper full coverage car insurance?
How can I get a full coverage policy for a cheaper price? I want to have full coverage added to my insurance policy, but I know having additional coverage can be expensive.
Phoebe Mah · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Getting full coverage insurance doesn’t mean you need to compromise your wallet! When referring to full coverage insurance, that means having
collision
and comprehensive
coverage. You can get cheap full coverage car insurance by shopping around for quotes.You can collect quotes for full coverage insurance to find the best rate. To do this, you’ll want to request quotes from multiple companies. You can do this yourself or use
Jerry
. Jerry collects personalized quotes from up to 50 top insurance providers to find you the best rate. If you’d prefer to look yourself, be sure to:
- Select consistent coverage limits: The goal of shopping around is to find equivalent coverage policies for a lower price. Stay within the sameliabilitylimits and other coverages. If you add different coverages for each quote, you won’t get an accurate idea of your cost across companies.
- Select the same deductible for comprehensive and collision insurance: When you increase your deductible, you are lowering the cost of your premium.
Another option to find cheap full coverage is to reduce your coverage. You can:
- Lower limits for liability and other coverages: This is something you should carefully consider. Reducing your liability limits will reduce your rate, but it will also mean you are reducing protection offered by your insurance company. You could end up paying more out of pocket after an accident.
- Remove optional coverages: If you don’t need towing and labor or rental car coverage, consider removing these coverages. If you’re in an accident, you’ll have to pay for these out of pocket, but it can save you money on your premium right now.
Insurance is customizable and not one size fits all. If someone you know has found a cheaper full coverage policy from a particular insurance provider that suits their needs, this insurer may not offer you the same price. Exploring your options is always the best way to find cheap car insurance.
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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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