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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.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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
- 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!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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