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How do I decrease my insurance rates?
I need to lower my insurance rates, but admittedly, I've always been reckless behind the wheel. I've realized that I can't keep this up forever—it's not just dangerous, but it's also costing me a lot financially. Obviously, I'm going to work on driving more safely, but how can I start decreasing my insurance rates?
Ben Guess · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Kudos to you for wanting to be safer on the road! I’m happy to report that are several different ways to start:
- Start limiting your mileage: If you don’t need to drive frequently, lower mileage can improve your insurance rates, since you’ll be seen as less of a risk if you’re on the road less often.
- Take a defensive driving course. This is a win-win method—taking a defensive driving course will present you as a safer driver to insurance carriers, but it will also help you be a safer driver on the road.
- Improve your vehicle’s security: This is a great idea if you havecomprehensive coverage, which covers acts that are outside of your control, such as vandalism and theft. Adding alarms and other security measures can help showcase your car as a lower risk to insure, and can potentially lower your premium as a result!
- Consider switching providers: It could be that you’re just not getting the best deal from your current provider. Using a tool likeJerrycan be a great way to figure that out—we’ll get you free quotes from multiple providers so you can see if there’s another plan that might cover you for less. If you do want to switch, we’ll help with that too! That way, you can stay focused on the road.
Best of luck, and drive safely!
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- 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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