Why can't I find cheap insurance?

I have a great driving record, why can't I ever find a cheap car insurance policy? I see commercials all the time where people are paying $20 and $30 a month for full coverage auto insurance.

Answer provided by
Shannon Martin
Answered on Jun 24, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“We have all seen the commercials where it seems like everyone is paying next to nothing for insurance. Those policies are out there, but there are several factors that go into your rate, and many are things you can’t control, such as:
  • Age
  • Zip code
  • Driving experience
  • Length of time at your current address
  • Length of time you have owned your car
The best thing to do is focus on the factors that you can control, such as:
  • Driving history
  • Credit score
  • Maintaining continuous coverage
  • Annual mileage
  • Coverages
The person who is paying $30 a month for an insurance policy probably has a perfect driving record, been driving for about 20 years, ghas good credit, lives in a rural area that doesn’t see many accidents, and has a low health care cost.
You may be able to find a better rate and policy by downloading the free Jerry app. Jerry checks prices with over 45+ carriers to make sure you are always getting the lowest rate.”

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