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How can I lower my car insurance premium?
I feel like I’ve been paying way too much for my car insurance. Are there any ways to reduce my car insurance costs?
Chloe Jenkins · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Paying too much for everyday needs doesn’t feel good. That’s why, in the case of car insurance, many customers choose to switch providers often if they find they can pay less elsewhere.
To lower your car insurance premium, start by doing the same thing—shop around for a lower rate. You’ll want to compare at least three price
quotes
to get a good idea of your options. But the more companies you look into, the better.A great way to compare multiple quotes without exerting much effort is to download the
Jerry
app! Jerry will gather competitive quotes from up to 50 top insurance providers in minutes and deliver low-cost rates directly to your phone for free.If you’re not interested in switching providers, though, you can look into possible discounts or promotions. Here’s how:
- Call your provider or check its website: Many companies offer student and military discounts, as well as discounts for teachers and nurses.
- Become a safer driver: If you’ve taken a defensive driving course in the past three years, you may be eligible for an additional discount. The same applies if you haven’t been in an accident or received a ticket in several years and have a safe driving record.
- Pay your premium in full: Instead of paying in installments, pay your premium up front and you may receive a discount.
- Enroll in paperless statements: Some companies even offer discounts for customers who view their documents online instead of receiving statements by mail.
- Improve your credit score: Establishing good credit history can lower your insurance costs, as most insurers use an individual’s credit score to price their policy.
Additionally, you might be able to save money by reducing or eliminating certain coverage on your policy. If you have an older vehicle that is worth less than half of 10 times your premium, consider dropping
collision
and/or comprehensive
coverage as it may not be cost effective. You can also remove optional coverages like towing and labor
or rental reimbursement to reduce your premium further.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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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