How can I make sure I am getting the best deal on my car insurance?

How do I know if I am getting the best deal on my coverage? I know the rate I am paying for insurance isn't terrible, compared to what my friends are paying, but I want to make sure it is as low as possible. What’s the best way to make sure I’m paying the lowest rate possible?

Answer
We all want to pay as little as possible for car insurance! The first thing you will want to do is make sure you get all the eligible discounts. Here is a list of what to look into:
There are some long-term things you can do to make sure you keep a lower rate. Maintaining a good driving record and good credit will save money off your policy for years.
Now, here are some inside tips that not everyone knows about! We have all been driving less this past year. If you have reduced your driving or been working from home, lower the annual mileage on your policy. If your usage is listed as commute, change it to pleasure use.
Is there a driver on your policy with a less than stellar driving record? Check your driver assignment on the policy. Make sure that person is listed as driving the oldest car or the car with the least coverage on the policy. This trick will work for younger drivers too!
Lastly, it never hurts to shop around for a cheaper policy.
Downloading the Jerry app will help! Jerry shops rates with over 50 insurance providers and delivers the results straight to your phone, so all you have to do is pick the plan that works best for you. And once you’ve chosen a policy, we’ll even help you switch!
Best of luck, and may all your rates be low!
Shannon Martin
Answered on Oct 25, 2021
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.
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