How do I bring down my car insurance?

What are some ways to lower my car insurance? My premium is too high. I want to find some ways to lower my rate.

Answer
The cost of car insurance is a common complaint, but don’t worry, there are ways you can lower your premium!
  • Shop around for quotes: Get at least three quotes to compare rates between companies.
  • Look for discounts: Insurance companies offer several discounts, like safe driving, so checking with them will ensure you’re getting the best rate.
  • Keep a good credit score: Showing car insurance companies that you are reliable and less of a risk can help decrease your premium. Be sure to pay your bills on time.
  • Keep a good driving record: Maintaining a clean driving history is a quick way to lower your car insurance. Having a clean record means you’re less of a risk to insurers and less likely to get into an accident.
  • Review your coverage: Review your policy and check if any coverages are no longer beneficial to you. For example, if you own an older vehicle, it may not be necessary to have full coverage.
  • Raise your deductible: While you’ll need to pay more out of pocket in the event of an accident, having a higher deductible will lower your insurance rate.
  • Bundle your car and homeowners insurance: Insuring your car and homeowners insurance under the same company can drop your rate by 25%, depending on the insurance provider.
If you want an easy way to explore other insurance companies, try the Jerry app. A licensed broker that offers end-to-end support, Jerry gathers affordable and personalized quotes from more than 50 providers to ensure you’re always getting the best rate and coverage.
Phoebe Mah
Answered on Nov 11, 2021
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