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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?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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! View full answer
- Gregory R.
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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