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How can I decrease my car insurance cost after moving to a new state?

I moved from NY to NJ and GEICO doubled my insurance rate. Is there anything that I can do to decrease the amount? I drive a 2009 Kia Rio, paid off. Do I need collision coverage?

Shannon Martin · Updated on Apr 26, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“Hope the move went well! First, you need to get multiple quotes for

to find the best rates for the coverage you want.

PIP coverage is a bit different in NJ than in NY and has multiple limit and deductible options. You can adjust this, but try not to significantly lower the coverage if you don’t have to.

Depending on the value of the Kia Rio, you may want to consider removing the

collision coverage

, as the amount you will pay for this type of insurance over the next couple of years might be more than what the car is worth.

The same is not true of

comprehensive coverage

. It is usually inexpensive and provides good value for the cost.

Try not to decrease your

liability coverage

. In fact, you should increase it, if possible.

Bottom line: you should always try to shop around first for better rates and only decrease coverage as a last resort.

“

View full answer

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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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