How do I keep my car insurance rates low?

I have a great policy currently. However, I've heard from friends that your insurance rates increase consistently and I won't have a great price forever. Is this true? How do I keep my rate low?

Answer
While your friends are correct, in some cases, it’s not entirely true. Insurance rates vary from company to company and rates change frequently. However, that doesn’t mean you’ll now is the only time you’ll have a great rate. Keeping your rate low is dependent on several factors.
Factors that directly influence your rate are:
  • Claims
  • Accidents
  • Violations
  • Address
  • Vehicle driven
  • Age
If you don’t have a clean driving record or drive a brand new car, you will pay more for insurance than someone who drives a used car with no accidents.
To keep your rate low, shop around. Continually looking for a new insurance company when you’re already getting a great rate seems counterintuitive, but shopping around is the best way to save.
As your friends said, rates increase and change. Comparison shopping every six to 12 months ensures you’re always getting the best rate for the coverage you require.
Beyond shopping around, also look into discounts. Many insurance companies offer discounts for enrolling in a driving behavior program or taking a driving course.
If you want some assistance finding the best rate and discounts, go to Jerry. Jerry is a licensed broker that offers end-to-end support and helps you switch plans with ease.
Emily Maracle
Answered on Oct 25, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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