How do I get a lower car insurance rate?

I just got my car insurance renewal policy, and I noticed that my rate had gone up over $200 for a six-month policy! Even if I could afford it, I wouldn’t want to pay that much. What are some ways for me to get a better car insurance rate?

Answer
When your car insurance rates go up exponentially, it’s time to take action. Luckily, there are plenty of ways to lower your insurance rate.
Some quick, easy actions might be calling your provider and asking about:
  • Alumni and exclusive membership discounts,
  • safe driver discounts,
  • telematics discounts,
  • low-mileage discounts,
  • defensive driving discounts, and
  • accident-free discounts.
Once you check with your provider about discounts, consider lowering your coverage amounts or raising your deductibles. Dropping excess coverage is like putting the chips back on the shelf at the grocery store—you’re paying for less, so your bill will be lower. Alternatively, raising your deductible will increase the amount you pay if you’re in an accident, but your monthly rate should decrease substantially.
But your best option is to shop around for a better rate with Jerry. A licensed broker, the Jerry app can help you compare personalized quotes from over 50 providers like Progressive and Nationwide for free. When you find a lower rate, Jerry can help you switch policies and even help cancel your old one!
Eric Schad
Answered on Nov 17, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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