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How can you lower your car insurance premium?
I’m thinking of buying a new car—and new car insurance with it. My current car insurance premium is just too much. How can I lower it?
Chloe Jenkins · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It’s possible to lower your car insurance premium in a few simple steps. Here’s how.
Step One: Shop around. Since prices vary from company to company depending on your needs, it’s a good idea to get a wide view of the market. Get at least three price
quotes
to compare. You can do this by calling insurance companies directly, accessing their website, or using the Jerry
app. The Jerry app can provide you with free competitive quotes from over 50 insurance companies in just minutes!Step Two: Compare insurance costs before you buy a car. Because car insurance premiums are based in part on the car’s price, cost of repairs, overall safety record, and likelihood of theft, it is important to factor in the details of the vehicles you are considering purchasing. Checking into
insurance costs
before you buy a new or used vehicle will save you from being stuck with a vehicle that companies inherently charge more for.Step Three: Maintain a good credit record. Companies need to trust that you are someone who can consistently pay your bills. They determine this trust based on your
credit
history. Someone with a good credit history, who has consistently paid their bills on time, will see a decrease in their insurance costs.”View full answer
- 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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