How do you get your car insurance reduced?

I'm paying $300 a month. I have two accidents on my record and my rate has been steadily increasing over the last two renewals. How can I get my car insurance reduced?

Answer
While frustrating, car insurance rates increasing over time is fairly common. That said, finding lower rates isn’t out of the realm of possibility!
Insurance rates vary based on personal information and insurance companies. Since you have two accidents on your record, your rates will be slightly higher until they fall off. After three to five years, you should see your rate decrease as long as you maintain a clean driving record.
Beyond shopping around, look at the coverage on your policy and what discounts you’re eligible for. If you have optional coverages like towing and labor or rental reimbursement, drop them to reduce your rate.
You can also enroll in a driving behavior or telematics program or taking a driver training course. Both will reduce your car insurance rates.
Although seeing your rate increase is stressful, you may have to be patient. You should consider switching companies now if you can find a lower rate, then at every renewal, continue to shop around to ensure you always have the best rate possible.
Looking at rates across several different companies can save you hundreds of dollars! If you’d like help shopping for car insurance, try Jerry. Jerry collects quotes from the top insurance providers and helps you switch plans.
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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