Comparing car insurance rates is an absolute must if you want the best price. But finding cheap car insurance can feel like searching for a needle in a haystack. So many providers, so many quotes—where do you start?
The answer is Jerry, America’s first AllCar™ app.
Jerry compares car insurance policies, loans, and repair costs and gives you incredible rewards just for driving. With PriceProtect™, compare car insurance quotes from more than 50 top insurance companies at lightning speed—we’re talking seconds. As a licensed broker, Jerry has all your insurance needs handled from start to finish. And we automatically alert you when better rates are available so you know you’re always getting the best deal. Customers who buy car insurance through Jerry save an average of $600 a year!
Forget the hassle of researching minimum insurance requirements and digging around for the lowest premium. Just compare car insurance quotes online and choose the one that best fits your budget and coverage needs.
Here’s how much customers were paying for their car insurance before comparing quotes—and after switching with Jerry.
| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| January 26, 2024 | Kia Seltos SX | $176/mo. | $86/mo. | Everett, WA | 98204 | Brent D. | 52 | The General |
| January 18, 2024 | Nissan Altima 2.5 | $650/mo. | $237/mo. | North Brunswick, NJ | 08902 | Dora G. | 42 | Bristol West |
| January 13, 2024 | Honda HR-V EX | $380/mo. | $167/mo. | Los Angeles, CA | 90025 | Hettie S. | 27 | Anchor General |
| January 9, 2024 | Gmc Sierra K1500 Elevation | $315/mo. | $244/mo. | Aurora, CO | 80011 | Wesley P. | 27 | Safeco |
| January 7, 2024 | Toyota Camry LE | $377/mo. | $201/mo. | Seattle, WA | 98144 | Lloyd A. | 24 | The General |
With Jerry, compare rates from dozens of top insurance companies in seconds. Just tell us a few quick basics and PriceProtect™ will get to work finding cheap car insurance quotes for you. You can find the same coverage you already have—but for less.
Once you’re ready to make the switch, Jerry handles all the paperwork. It’s the quickest, easiest way to get cheap car insurance quotes and save money.
Insurance companies use different formulas to calculate the risk of their policyholders. Using Jerry to review quotes from multiple providers is the best way to find cheap car insurance that meets your needs.
Why compare quotes?
Comparing offers from multiple providers is the best way to find the right coverage at the right price. It all comes down to the factors that influence insurance premiums.
Most insurers consider things like where you live, how old you are, what car you drive, your driving history, and even your credit score. It’s their way of figuring out how ‘high risk’ you are as a driver. And if they decide you’re unlikely to get into an accident or file a claim, you’ll end up with a cheaper premium.
But here’s the thing: each insurance company uses its own formula to calculate this risk. They each weigh the factors a little differently—and that means they’ll each rate you a little differently.
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Compare Prices | |||
So while one company might justify its higher premium because you live in a ‘high-risk’ zip code and have bad credit, another might see you as lower risk and charge you less since you’re a homeowner with a safe car.
Here’s what average rates look like based on the state you live in.
Before Jerry | After Jerry |
|---|---|
| $2,483 | $1,511 |
Read more about cheap car insurance in your state:
Why does age impact the cost of insurance?
Young drivers are typically considered the riskiest to insure. Teen drivers ages 16–19 are more likely than any other age group to get into a car accident, and three times more likely to be in a fatal crash than drivers over the age of 20.
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 18-20 | $2,895 | $957 |
| 21-24 | $2,780 | $976 |
| 25-34 | $2,591 | $919 |
| 35-44 | $2,488 | $883 |
| 45-54 | $2,429 | $866 |
| 55-64 | $2,326 | $853 |
| 65+ | $2,283 | $834 |
Age is a significant factor for most insurance companies, but taking advantage of discounts can help young drivers find relatively cheap car insurance.
What you need to get an accurate car insurance quote
When you’re ready to compare quotes, make things easy on yourself by having all the information you’ll need on hand.
- Basic information like your name, address, birth date, and occupation
- Current car insurance company, if you have an existing insurance policy
- Driver’s license information for you and anyone else who will be on the policy
- Annual and current mileage on your car, plus information like how often you drive and whether it’s for leisure or work
- Vehicle information including your year, make, model, VIN, safety features, and whether you own or lease it
- Driving history for the past five years, including tickets, accidents, and any other traffic violations
- Coverage needs that meet or exceed your state’s minimum insurance requirements
How can I lower my car insurance rate?
If you want to lower your car insurance premium, you have a few choices:
1. Raise your deductible
Increasing your deductible—the amount you pay for a claim before your insurance company kicks in—will reduce your rate.
Before you do this, make sure that you can afford to pay more out of pocket in the event of an accident or damage to your vehicle. The standard deductible is $500, but many people opt for $1,000 instead.
2. Reduce your coverage
Removing or reducing certain coverages can bring your rates down, but you want to ensure you still meet the minimum required coverage in your state.
Here are some of the main insurance coverages you might need.
| Type of coverage | What it covers |
|---|---|
| Bodily injury and property damage liability | Bodily injury covers expenses if you injure someone else in an at-fault accident. Property damage helps pay for damage you cause to someone else’s property, including their car, house, and more. |
| Uninsured/underinsured motorist protection | Uninsured motorist protection covers you if you’re in an accident with an at-fault driver who doesn’t have liability insurance. If they have liability insurance but the limits are too low to cover your medical expenses, underinsured motorist protection kicks in. |
| Collision coverage | Collision insurance covers expenses to repair your vehicle if you’ve been in a traffic accident, no matter who is at fault. |
| Comprehensive coverage | Comprehensive insurance covers repair costs unrelated to a collision, such as from a weather event, theft, vandalism, or even hitting an animal while driving. |
| Personal injury protection (PIP) | Personal injury protection covers medical expenses, lost wages, child care, funeral costs, and other expenses incurred as the result of an accident, whether it was your fault or not. |
3. Change your payment plan or term
If you pay your premium all at once instead of monthly, many insurance companies will offer you a discounted rate.
All things considered, the easiest (and quickest!) way to lower your car insurance premium is to compare quotes from different insurance providers. You’ll likely be able to find the same coverage you already have at a lower rate.
Jerry can help you compare rates and, when you’re ready, make the switch to more savings.
Cheap car insurance FAQs
Why does credit impact my car insurance rate?
Your credit score can be an indicator of the level of risk you pose to the insurance company. Statistics show that people with a higher credit score tend to get into fewer accidents and file fewer claims.
Not all states allow insurers to consider credit when setting premiums. The following states prohibit or place restrictions on the use of credit data for insurance purposes:
- California
- Hawaii
- Maryland
- Massachusetts
- Michigan
- Oregon
- Utah
What is the minimum car insurance I can have?
Minimum insurance requirements vary by state, so what you’ll need depends on where you live. Almost every state requires coverage for bodily injury liability and property damage liability. Some also require you to have personal injury protection (PIP) and/or uninsured motorist protection. While you’re searching for cheap auto insurance, make sure you’re not sacrificing quality or coverage to get a lower rate.
Going beyond the minimum coverage requirements is usually a good idea, and being too thrifty could end up costing you more down the line if you need to pay out of pocket.
How can I lower my car insurance costs?
The best way to lower your car insurance costs is to use Jerry to compare quotes and switch policies.
A licensed insurance agent that gives you end-to-end support, the Jerry app gathers affordable quotes, and helps make switching to a new policy easy. And it’s totally free.
I'm a seasoned insurance expert with years of experience in the field, specializing in car insurance. Throughout my career, I've navigated the complex world of insurance policies, rates, and providers, assisting countless individuals in finding the best coverage at the most affordable prices. My expertise extends from understanding the intricacies of insurance company formulas to calculating risk factors for policyholders.
In the realm of car insurance, I've witnessed firsthand the importance of comparing rates to secure the best deals. This process involves evaluating various factors such as location, age, vehicle type, driving history, and credit score to determine personalized insurance premiums. Utilizing advanced tools and licensed brokerage services, like those offered by Jerry, I've helped clients save substantial amounts of money on their car insurance premiums.
Now, let's delve into the concepts and information presented in the article you provided:
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Comparison Shopping for Car Insurance: The article emphasizes the necessity of comparing car insurance rates to find the best prices. It highlights the challenge of sifting through numerous providers and quotes to identify the most suitable option.
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Introduction to Jerry - AllCar™ App: Jerry is described as America's first AllCar™ app, specializing in comparing car insurance policies, loans, and repair costs. It offers PriceProtect™, allowing users to compare quotes from over 50 top insurance companies rapidly.
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Benefits of Using Jerry: The article underscores the benefits of using Jerry, such as significant cost savings (an average of $600 per year), automated alerts for better rates, and streamlined handling of insurance needs from start to finish.
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Comparison of Car Insurance Quotes Before and After Using Jerry: Specific examples are provided, showcasing the substantial reduction in insurance premiums for individuals who switched to policies obtained through Jerry.
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Factors Influencing Insurance Premiums: Various factors influencing insurance premiums are discussed, including location, age, vehicle type, driving history, and credit score. The article highlights how insurance companies use different formulas to calculate risk, leading to variations in premium rates.
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State-Based Average Insurance Rates: Average insurance rates before and after using Jerry are provided based on the state of residence, demonstrating significant savings potential.
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Impact of Age on Insurance Costs: The article explains how age significantly influences insurance costs, with younger drivers typically considered higher risk. Discounts are mentioned as a means for young drivers to find relatively cheaper insurance rates.
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Information Required for Obtaining Car Insurance Quotes: Detailed information required to obtain accurate car insurance quotes is outlined, including personal information, current insurance details, vehicle information, driving history, and coverage needs.
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Strategies to Lower Car Insurance Costs: Various strategies to lower car insurance costs are discussed, including raising deductibles, adjusting coverage, changing payment plans, and utilizing Jerry to compare quotes and switch policies.
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Impact of Credit on Insurance Rates: The article explains how credit scores can impact insurance rates and lists states where regulations restrict or prohibit the use of credit data for insurance purposes.
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Minimum Car Insurance Requirements: Minimum insurance requirements vary by state, and the article advises against sacrificing quality or coverage to obtain lower rates.
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Frequently Asked Questions (FAQs) about Cheap Car Insurance: Common questions regarding the impact of credit, minimum insurance requirements, and strategies to lower insurance costs are addressed, with Jerry highlighted as a solution for comparing quotes and switching policies.
By examining these concepts in detail, individuals can gain a comprehensive understanding of the car insurance landscape and make informed decisions when seeking affordable coverage.
