How can I save money on my liability-only insurance policy?

How can I lower my car insurance? My Uncle Lou says I pay too much for the coverage I have (liability-only). I don't think my rate is that bad—and he doesn’t even have a car right now! I would love to pay less if I could, though.

Answer
Uncle Lou might not know much about insurance, but it never hurts to try to find the lowest rate possible!
Several factors go into the rate of your car insurance policy. Some of these factors are out of your control, such as:
  • Your zip code
  • How long you’ve been driving
  • Local climate and weather hazards
  • Your age
It’s best to focus on factors you can control to maximize your savings. Here are some things you can do (over time) to secure better car insurance rates in the long run:
  • Build your credit score
  • Improve your driving record—avoid major charges like a DUI at all costs
  • Stay with the same insurance provider for multiple years
If you are looking for immediate savings on your liability-only policy, check with your provider to see if you qualify for any of the following discounts:
  • Defensive driver discount
  • Telematics discount
  • Safety features discounts
  • Multi-line discounts
  • Low mileage savings
Looking for cheaper insurance will not damage your current insurance policy rates, either. If you are looking for better service and a cheaper rate, Jerry can help you compare competitive quotes and switch policies—no phone calls or long forms needed!
Shannon Martin
Answered on Oct 21, 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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