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Is lowering the liability limits on my auto policy a good way to save money?
I have had pretty bad luck the last few years and have more than my share of fender benders. The rate of my policy is getting really high, and I am thinking of lowering my coverage to save money, but my brother says not to. Why not?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“In this case your brother is right! If you tend to be accident-prone, you never want to lower your
liability coverage
; you may actually want to look at increasing it.Having high
bodily injury liability
and property damage liability
limits protects you from having to pay for these accidents out of pocket. Also, drivers who carry low limits on their policies are viewed as higher-risk drivers, so they don’t save as much money on their policy as you would think. Drivers that carry higher limits, 100/300/50 or greater, are deemed lower-risk drivers, so the cost to increase your limits is usually minimal.
If you want to save money, look at taking a defensive driver course so you can benefit from a discount.
Another way to save money on
car insurance
is to sign up with Jerry
. This free app shops with over 40 carriers and ensures you are always getting the lowest rate. “View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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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