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How do I avoid high car insurance costs?

I have to get car insurance for the first time. I'm worried it's going to cost a lot. How do I avoid high insurance costs?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
While avoiding high insurance costs as a first-time purchaser is difficult, it is possible.
Since the cost of
car insurance
depends on several factors, you need to shop around to avoid high insurance costs.
When establishing a rate for an insured, car insurance companies look at:
  • Age
  • Driving record
  • Credit history
  • Address
  • Prior insurance history
  • Claims history
  • Type of vehicle driven
If you don’t have a
clean driving record
, you’re likely to pay more for insurance than someone who does.
You can also choose to carry
liability insurance
instead of full coverage, which can save you money in the process.
If you want to save money on car insurance, the
Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even cancel your old policy for you.
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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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