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How do I get better premium rates with a spotty driving record?
I'm a 20-year-old male driving a 2017 Honda Civic. In the last year, I got pulled over for a speeding ticket, someone hit me in a parking lot, and I was in a fender bender. I don't consider myself to be a bad driver, but now my insurance wants to charge me $500 a month. What are my options?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Unfortunately, as a young male driver with several claims in the past year,
car insurance companies
consider you high risk. But this doesn’t mean there isn’t anything you can do!Many insurance companies offer discounts if you take a
driver training course
or enroll in a telematics program. You can reach out to your current company to determine whether you qualify for any additional discounts. Although you’re unlikely to see substantially better rates because of your driving record, you could try comparing policies with several insurers, like
GEICO
or Progressive
. You should also shop around every six months or so. As your ticket and accidents age, your rates should improve if you maintain a
clean driving record
. If you’d like help finding better rates, use the
Jerry
app. Jerry collects quotes from up to 50 top insurance companies and delivers the best deals to your phone in minutes for free.”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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