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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?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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.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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