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How much is too much to pay for car insurance?
How do I know if I am paying too much for car insurance? I was talking with my friends the other day and it sounds like they pay a few hundred dollars less than I do annually. I don't want to spend a penny more than I have to!
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“No one wants to pay more for their
car insurance
policy, but just like people are different, insurance policies are different too.Here is a list of just a few of the rating factors that change from person to person and will result in varying policy premiums:
- Age
- Credit score
- Zipcode
- Past driving history
- Length of driving experience
- Coverages
- Other drivers on the policy
Look at how many things can be different! And different doesn’t mean bad. For example, maybe your friends drive with state-required limits while you have preferred limits and better coverage. What if you have a $500 collision deductible and they have $2500?
A cheaper policy does not mean a better policy.
If you are concerned with your policy premium, make sure you are getting all of the
discounts
you can, such as:- Defensive Driver discount
- Driver Training discount
- Multi-car discount
- Multi-line discount
- Telematics discount
- Safety features
If you want to save money on car insurance, the
Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help cancel your old policy for you.”View full answer
- Gregory R.
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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