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What are the best car insurance limits for a new driver?
Should my partner and I lower our liability limits now that we are adding our 18-year old to the policy? The cost of insurance went up so high that we need to make changes to bring it down! I’m just not sure what the best move is here. What are the best car insurance limits for a new driver?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You can do things to lower your insurance policy rate, but reducing the
bodily injury liability
is not one of them! With a new driver on the policy, you should carry the highest liability limits you can afford.Liability coverage
tends to be the most affordable part of a policy. Increasing or decreasing liability coverage will only cost or save a few dollars.Young, inexperienced drivers will cause the cost of your policy to increase, especially
collision coverage.
Here are some discounts to ask your agent about that may help out:- Fraternity and Sorority affiliation savings
- Low annual mileage
If your policy rate still seems too high, though it may be time to shop for a
cheaper insurance policy
.The easiest way to do this is through
Jerry
. Jerry is an insurance comparison app that will get you personalized quotes in seconds! That way, all you need to do is pick the policy that works best for you—and once you choose one, we’ll even help you switch!Best of luck, and may all your rates be low!
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- Gregory R.
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