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What should I do if I can't afford car insurance?
I’ve looked around at various car insurance policies. They’re all so expensive. What should I do if I can’t afford car insurance?
Savannah Grabek · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Since car insurance is required to drive legally in almost every state, you’ll need to find a way to pay for it if you intend to keep driving. Luckily, there are lots of ways to
lower your car insurance premiums
and keep them that way, including:
Comparison shopping: Call different companies yourself or use a comparison tool like Jerry
to make sure you’re getting the lowest possible price.
Raising your deductible: Choosing a higher deductible
will result in lower premiums if you have comprehensive
or collision coverage
. Just keep in mind that a higher deductible means more out-of-pocket expenses if you need to file an insurance claim for car repairs.
Reducing your coverage: This isn’t always a good idea, but if you’re really in a tight spot you can reduce your car insurance coverage to only the minimums required by your state
. Note that this option isn’t available to you if you’re leasing or financing a car.
Taking advantage of discounts: Car insurance discounts can result in hundreds of dollars in savings. Some common discounts to look out for include:- Military, medical worker, teacher, or other association discounts
- Bundling and multi-car discounts
View full answer
- Gregory R.
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