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What is the best way to lower your car insurance rate?
Is there a better way to lower car insurance besides going to liability only coverage? My car is older, but I still like it and am worried about removing all the coverage.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The right time to remove comprehensive and
collision coverage
from your car is different for everyone. Some people remove physical damage coverage once the car is over seven year old, others keep it until the car is traded in no matter what the age. Only do what feels suitable for your situation!The best way to save money on car insurance is to make sure you are getting all of the
insurance discounts
that you are eligible for such as: - Defensive Driver discount
- Telematics discount
- Multi-car discount
- Multi-line discount
Another way to save is by adjusting your physical damage coverage, but this doesn’t mean you have to remove all of them.
Comprehensive coverage
is very inexpensive and what more people file claims for. Comprehensive will protect your car from:- Fire
- Theft
- Vandalism
- Glass breakage
- Animals
If these types of losses are your primary concern, removing collision and keeping comprehensive is an option and will save you a good bit of money.
Also, don’t be afraid to shop around! It could be that the company you are currently with doesn’t have the best rate for you. Another company may fit you better.
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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