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How do you save money on your car insurance?

I pay $200 a month for full coverage car insurance. Everyone else I know pays $100. What are some ways you can save money on insurance?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Insurance can be expensive—and you aren’t alone in feeling like you’re overpaying.
To save money on
car insurance
, you can try several things like driving safely, exploring your coverage options, and shopping around.
While it may seem like everyone is paying less than you, the cost of insurance is dependent on a variety of factors. These include:
  • Your age
  • Driving record
  • Credit history
  • Address
  • Type of vehicle
  • Prior insurance information
  • Type of coverage
For example:
  • If someone has a
    clean driving record
    and liability coverage only, they’re going to pay a great rate. This is due to their safe driving history and the fact they are carrying the least amount of coverage allowed by law (which is not recommended).
  • If someone has a spotty driving record (e.g., speeding tickets and/or other moving violations), they are going to pay more because the insurance company deems them a higher risk. If they also financed their vehicle—which requires them to carry full coverage, including both
    comprehensive
    and
    collision insurance
    —they’re going to pay far more for their policy.
To save money on your car insurance, the easiest thing to do is shop around. Just like rates vary from person to person, they vary among companies. While you may be paying $200 a month with your current insurance provider, you could find a lower rate elsewhere.
To comparison shop, you can request
car insurance quotes online
or use an app like
Jerry
. Jerry works with 50 top insurance providers to find you the best rates and coverage in seconds—for free.
Also, don’t worry If you can’t find a lower-priced policy right now! Insurance rates change frequently, so you may be able to find a better rate in a few months. Get quotes frequently.”
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WHY YOU CAN TRUST JERRY
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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