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How to lower my car insurance premiums?
I just received a renewal notice in the mail and my car insurance has gone up by nearly $300! I didn’t get in an accident, and I didn’t receive a ticket—so I’m at a loss. What should I do to lower my car insurance premiums?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Car insurance
premiums change frequently—and sometimes without good reason! Rather than accepting the rate increase, contact your provider and ask for discounts, lower your coverage amount, or shop around for a better provider.Car insurance companies offer more discounts than you may expect—and they come with relatively high savings! While these discounts vary from insurer to insurer, here are some of the most common and substantial discounts:
- Multi-car discount
- Bundlinghome and auto insurance
- Safe driver discounts
- Alumni and other organizational discounts
- Defensive driving discounts
- Telematics discounts
Your car insurer may have even more discounts, so ask your agent or look online.
If you’d like to save even more, you can always reduce your coverage. While each state has a
minimum insurance requirement
, you can always drop any coverage above the minimum.You could also raise your deductible to lower your monthly payments. While that means you’ll need to pay more out-of-pocket in the case of an accident, it could lower your monthly premium substantially.
But the best way to find a better rate is to shop around for a new provider with
Jerry
. A licensed broker, the Jerry app can help you compare personalized quotes from over 50 top insurers like Allstate and Nationwide in minutes. Jerry can even send you new quotes when your insurance comes up for renewal, so you know you’re always getting the best rate.MORE: 4 mistakes you should never make when switching car insurance
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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