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How do I get the best quote for car insurance?
How do I get the best car insurance rates? I’m thinking of switching providers and I want to find the best quote there is. Any advice?
Hana Sabah · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Insurance is pricey! I can’t blame you for putting in extra effort to find the best rate out there. Luckily, there are a few tips and tricks to get the best quote for car insurance.
- Shop around: Prices will vary from provider to provider, so shopping around is a smart way to make sure you’re getting your money’s worth. Calling companies and asking for quotes is a pain, so I suggest downloading theJerryapp, which will compare prices from over 50 companies and deliver you low-cost rates in seconds!
- Ask for a higher deductible: Adeductibleis what you pay before your insurance kicks in—kind of like a down payment. Asking for a higher deductible can reduce your collision and comprehensive coverage insurance cost by 15–20%. Just be sure you have enough money set aside to pay the deductible in the event you need to file a claim.
- Bundle your home and auto insurance: Buying your home and auto insurance from the same provider will make you an excellent candidate for a great discount. Even adding an extra vehicle can make you eligible for a reduction in your premium cost.
- Maintain good credit: Insurance companies take into account your credit score when determining your insurance rate. The better the credit you have, the less of a risk you’ll be for the company—meaning they’ll feel less inclined to hike up your premium.
- Take advantage of mileage discounts: If you’re the type of person to use your car for only necessary trips, then you may be eligible for mileage discounts. Providers offer these discounts to motorists who drive less than the average driver per year. Do you carpool or work from home? If so, this one’s for you.
- Ask about group insurance: Speaking of work, some groups (like your employer) qualify for discounted insurance. Ask your provider whether your employer, alumni group, or certain associations you belong to qualify. Also, ask group leaders if they are aware of any insurance-related benefits.
- Ask about discounts: In fact, a multitude of discounts are available, depending on your personal needs and vehicle usage. So researching or asking your provider about available discounts will also help you get the cheapest quote possible.”
View full answer
- 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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