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What reduces your car insurance rate?

I have high rates right now because of tickets and accidents. Is there anything I can do to reduce my rate?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The easiest way to reduce what you’re currently paying for
car insurance
 is to shop around. While your rate may be high with your current carrier, not every carrier rates policies the same.
To determine what carrier will offer you the best rate, you should request
car insurance quotes online
 and compare rates.
While requesting quotes, you should look at what discounts you may qualify for. Some common discounts include:
  • Good driver discount
  • Good student discount
  • Discounts for alumni
  • No claims discount
  • Multi-car discount
You should also look at the type of coverage you have on your policy. Carrying full coverage is always more expensive than
liability car insurance
. Reducing your coverage would decrease your rate. When requesting quotes, you should look at a variety of coverage levels as well.
Since you seem like you might have a bit of a lead foot, you may want to opt for collision coverage. Download the
Jerry
 app to compare rates and find the best prices for your car insurance needs.”
MORE:
11 Car Insurance Hacks to Save You Money
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