PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Where can I find out why my auto insurance premium is so high?
"Is there someone that can tell me why my auto insurance bill is so high? I pay $2,200 a year on a vehicle that's worth $7,000. I do carry liability at 100/300, as well as full coverage, rental, and roadside assistance.
I've had an accident and a speeding ticket in the past three years. Why can't I find a lower rate?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Your
car insurance
rate is dependent on many different factors. Your age, type of vehicle, driving record, marital status, and location can all impact your rate.Since you have had an accident and a speeding ticket within the last three years, it’s likely that these are influencing your rate. Another reason why your rate could be higher is the amount of coverage you’re carrying on your vehicle.
Having a policy with
liability car insurance
only will always be less expensive than having full coverage. Having additional coverages, like rental reimbursement, can also raise rates.You should continue to shop around to find the lowest rate available. By getting quotes, you’ll be able to see what rates carriers offer for a variety of coverages. This will give you an opportunity to make adjustments and lower your premium.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. This free app can collect quotes from up to 45 top insurance companies in seconds!
“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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies