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How do I save on insurance premiums?
I'm getting ready to buy a new car for my husband and I'm shopping for insurance. What are the best ways to save on premiums?
Jessa Claeys · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Saving on car insurance premiums will mostly involve price comparisons. Pricing will vary from company to company, so it’s a good idea to get at least three different quotes.
You can get quotes in a number of ways. Calling the companies directly would be the most straightforward approach, but you can also usually access the information you’re looking for on the internet.
If you’d rather leave the shopping to someone else, check out the
Jerry
app. Jerry will compile quotes and policy options from over 50 top insurance companies in a matter of seconds—saving you a lot of time and stress.Since you’re looking to buy a new car, you should compare insurance costs between different makes and models of vehicles, as well. Cars will have different insurance premiums depending on their price, age, safety record, and estimated repair costs. (Pro tip:
Kelley Blue Book
is a good resource for determining a car’s value.)To lower insurance premiums on older cars and/or cars that aren’t used much, consider reducing coverage for them—or just dropping
collision
or comprehensive coverage
entirely. Paying high premiums for these types of vehicles doesn’t make sense if the cost of coverage outweighs the potential benefit.Finally, if you have good credit history, your insurance costs will often go down, as most companies factor in credit scores when pricing individuals’ auto insurance premiums.”
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- 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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