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How do I review my car insurance policy coverage?

What do I look for when I am told to review my policy? I was thinking about switching insurance companies and my mom told me to review my policy first. What am I supposed to be looking for?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s a great question! Your mom wants to make sure you either keep the same coverages you have or know which coverages you can get rid of since you are shopping around for a new
car insurance policy
.
For example, if your car is more than eight years old, do you still need
collision coverage
? Do you still have just state minimum
liability limits
? If so, you may want to get rid of your collision and increase your liability.
If you are looking for ways to lower your premium, make sure you are getting the following coverages if applicable:
Whenever you think about making policy changes, it is good to seek help from an experienced agent. To get the best rates on the coverage you need, give the
Jerry
app a try! We’ll get you customized quotes in seconds, so that all you need to do is pick the policy that works best for you. And once you’ve picked one, we’ll even help you switch! Plus, if you have any questions, you can text an agent, and they will text right back with assistance!
Best of luck, and hope the switch goes smoothly!
MORE: Checklist for switching car insurance companies
View full answer 
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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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