{"id":11970,"date":"2024-11-08T00:00:26","date_gmt":"2024-11-08T08:00:26","guid":{"rendered":"\/wp-site\/?p=11970"},"modified":"2025-03-18T09:03:02","modified_gmt":"2025-03-18T16:03:02","slug":"luxury-car-insurance","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/luxury-car-insurance\/","title":{"rendered":"Luxury Car Insurance: What to Know"},"content":{"rendered":"\n<p>Luxury <a href=\"\/car-insurance\/\">car insurance <\/a>typically costs more than coverage for a standard vehicle, partly because drivers of expensive vehicles tend to want full coverage insurance to protect the investment. Additionally, the bells and whistles that make a car luxurious are pretty expensive to replace and repair after a crash \u2014 all leading to higher premiums.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"car-insurance-cost\">How much does luxury car insurance cost?<\/h2>\n\n\n\n<p>On average, Jerry customers with fancier cars can expect to pay $186 per month for minimum liability coverage and $398 per month for full coverage. Pricing varies based on car specifics, location and driver profile. <\/p>\n\n\n\n<p>If that number seems high, that\u2019s because it is. The <a href=\"\/car-insurance\/average-car-insurance\/\">average cost of car insurance<\/a> in the U.S. is $183 per month for state minimum coverage and $245 per month for full coverage, according to Jerry data. This is because repair and replacement costs for luxury cars tend to be higher, which tends to lead to higher collision and comprehensive insurance costs.<\/p>\n\n\n\n<p>Below are average rates that Jerry customers have been quoted for some higher-end car brands for full coverage insurance.<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/lincoln-make\\\/\\&quot; title=\\&quot;Lincoln\\&quot;&gt;Lincoln&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$311&quot;},{&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/cadillac-make\\\/\\&quot; title=\\&quot;Cadillac\\&quot;&gt;Cadillac&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$346&quot;},{&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/acura\\\/\\&quot; title=\\&quot;Acura\\&quot;&gt;Acura&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$352&quot;},{&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/lexus\\\/\\&quot; title=\\&quot;Lexus\\&quot;&gt;Lexus&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$375&quot;},{&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/audi\\\/\\&quot; title=\\&quot;Audi\\&quot;&gt;Audi&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$422&quot;},{&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/porsche\\\/\\&quot; title=\\&quot;Porsche\\&quot;&gt;Porsche&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$436&quot;},{&quot;carMake&quot;:&quot;&lt;a href=\\&quot;\\\/car-insurance\\\/mercedes-benz\\\/\\&quot; title=\\&quot;Mercedes-Benz\\&quot;&gt;Mercedes-Benz&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$460&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Car Make  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Car Make  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$311<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$346<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$352<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$375<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$422<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$436<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carMake\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$460<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 9, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-insurance\">Finding the best insurance rates for luxury cars<\/h2>\n\n\n\n<p>Unfortunately, no single car insurance company will provide the cheapest luxury car insurance rates for everyone. Car insurance rates are highly individualized, so you\u2019ll need to shop for luxury <a href=\"\/car-insurance\/car-insurance-quotes\/\">car insurance quotes<\/a> to get a full picture of your expected costs.<\/p>\n\n\n\n<p>Here are the average rates from the top luxury car insurance providers in the industry right now, based on quotes Jerry customers have received.<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;carrier&quot;:&quot;Foremost&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$138&quot;},{&quot;carrier&quot;:&quot;Aspire Advantage&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$253&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/safeco\\\/\\&quot; title=\\&quot;Safeco\\&quot;&gt;Safeco&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$257&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/root\\\/\\&quot; title=\\&quot;ROOT\\&quot;&gt;ROOT&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$261&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/mercury\\\/\\&quot; title=\\&quot;Mercury\\&quot;&gt;Mercury&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$283&quot;},{&quot;carrier&quot;:&quot;Bluefire&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$305&quot;},{&quot;carrier&quot;:&quot;Embark General&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$311&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/anchor-general\\\/\\&quot; title=\\&quot;Anchor General\\&quot;&gt;Anchor General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$329&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/progressive\\\/\\&quot; title=\\&quot;Progressive\\&quot;&gt;Progressive&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$334&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/national-general\\\/\\&quot; title=\\&quot;National General\\&quot;&gt;National General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$345&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$138<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$253<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$257<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$261<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$283<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$305<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$311<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$329<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$334<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$345<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 9, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"car-insurance-expensive\">Why is car insurance so expensive for luxury cars?<\/h2>\n\n\n\n<p>In addition to your driving history and demographics, auto insurers take many vehicle factors into consideration when setting prices. There are several reasons that luxury auto insurance is so expensive:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>They\u2019re higher-risk for theft. <\/strong>New luxury cars are prime targets for thieves due to their desirability and resale value. Even if recovered, stolen vehicles often suffer damage or have missing parts, leading to increased insurance costs.<\/li>\n\n\n\n<li><strong>Complex parts and manufacturing:<\/strong> Many luxury car parts are manufactured overseas, making shipping and replacement more expensive. Additionally, these vehicles often have pricey features like heated and cooled seats, advanced entertainment systems and advanced suspension systems, which cost more to repair.<\/li>\n\n\n\n<li><strong>Specialized parts:<\/strong> Luxury cars are often engineered with tighter tolerances, meaning parts must be precisely manufactured to fit and function correctly. This makes them more expensive to produce and replace.<\/li>\n\n\n\n<li><strong>Lower production volume:<\/strong> Luxury car manufacturers produce fewer vehicles than mass-market brands, so parts are harder to get ahold of when you need them, leading to higher costs for parts and labor.<\/li>\n\n\n\n<li><strong>Fewer mechanics available:<\/strong> Repairing a luxury car often requires specialized knowledge and tools, which can increase labor costs.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>These higher car insurance rates typically apply to your comprehensive and collision portions of your insurance rate, which pay out to repair your own car after an accident, regardless of fault.&nbsp;<\/p>\n\n\n\n<p>However, you might also see higher liability insurance rates for your luxury vehicle if you choose higher limits to protect your assets in case you cause a bad wreck. When choosing liability limits, you should get enough to protect your net worth, which is likely to be higher for a luxury car owner.<\/p>\n\n\n\n<p>Beyond the value of your car itself, your car insurance company might also consider things like the vehicle\u2019s safety ratings \u2014 the safer your vehicle, the less likely you are to be seriously injured and require an expensive insurance claim. If your luxury car of choice has good safety ratings from the <a href=\"https:\/\/www.nhtsa.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\">National Highway Traffic Safety Administration (NHTSA)<\/a> and the <a href=\"https:\/\/www.iihs.org\/ratings\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Institute for Highway Safety (IIHS)<\/a>, you may be more likely to get a low rate.<\/p>\n\n\n\n<p>Finally, auto insurance companies will consider your personal characteristics when determining your rates. Things like your driving record, your monthly mileage and your credit health can have a significant impact on your insurance premiums.<\/p>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/how-is-car-insurance-calculated\/\">How are car insurance rates calculated?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"expensive-vehicles\">How much car insurance to get for expensive vehicles<\/h2>\n\n\n\n<p>While you\u2019re only legally required to purchase minimal<a href=\"\/car-insurance\/what-is-liability-car-insurance-and-what-does-it-cover\/\"> liability coverage<\/a>, if you own a home and have a lot of assets you will want enough liability to cover them in case you cause a bad wreck and are sued. And liability insurance alone won\u2019t cover the costly repairs to your vehicle in the event of a car accident, leaving you with very, very high out-of-pocket repair expenses to cover on your own.<\/p>\n\n\n\n<p>Expensive vehicles warrant purchasing a <a href=\"\/car-insurance\/what-does-full-coverage-car-insurance-cover\/\">full coverage policy<\/a> to protect your investment in luxury, which will include liability coverage plus:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/comprehensive-insurance\/\"><strong>Comprehensive coverage<\/strong><\/a> pays for repairs up to the actual cash value (ACV) of your vehicle after it sustains damages from something other than a collision, such as vandalism, theft or a natural disaster.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/collision-insurance\/\"><strong>Collision coverage<\/strong><\/a> pays for damages to your vehicle after a collision with another vehicle or a stationary object.<\/li>\n<\/ul>\n\n\n\n<p>These insurance coverage options will be more expensive for a luxury car, but it\u2019s well worth it in the event of an accident.&nbsp;<\/p>\n\n\n\n<p>It\u2019s also a good idea to carry<a href=\"\/car-insurance\/gap-insurance\/\"> gap insurance<\/a> or new car replacement insurance for leased or financed luxury vehicles. Carrying these types of coverage will ensure that you\u2019re not stuck with a car payment after totaling your vehicle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"car-insurance-tips\">More luxury car insurance tips<\/h2>\n\n\n\n<p>When you also need peace of mind for your high-value vehicle, it\u2019s not going to be easy to find cheap car insurance. Still, there are a few things you can do to lower your insurance rates for your vehicle:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Compare rates and shop around: <\/strong>Each carrier will value your personal characteristics differently, the best place to start is by comparing rates from multiple insurance carriers.\u00a0The <a href=\"\/car-insurance\/best-car-insurance-companies\/\">best car insurance company<\/a> is one that offers the coverage you need at an affordable rate.<\/li>\n\n\n\n<li><strong>Look for discounts: <\/strong>Most insurance companies offer <a href=\"\/car-insurance\/car-insurance-discounts\/\">car insurance discounts<\/a> for things like bundling and being a safe driver. To learn more about discounts available to you, contact your car insurance provider and ask.<\/li>\n\n\n\n<li><strong>Keep your driving record clean: <\/strong>Drivers with a clean driving record will see lower car insurance rates \u2014 so make an effort to avoid speeding tickets and other traffic violations.<\/li>\n\n\n\n<li><strong>Improve your credit score:<\/strong> A strong credit history can lead to lower auto insurance premiums. By paying bills on time, limiting credit usage and regularly checking your credit report, you can improve your score and potentially save money.<\/li>\n\n\n\n<li><strong>Forego the most expensive trims:<\/strong> Luxury vehicles often offer expensive trim options that can increase your car insurance rates. By choosing the most basic trim option, you may be choosing a lower monthly premium, too.<\/li>\n\n\n\n<li><strong>Invest in safety features and vehicle protection:<\/strong> Things that protect your vehicle, like anti-theft devices and safety features to help you avoid an accident, can lower your auto insurance rates.<\/li>\n\n\n\n<li><strong>Raise your deductible: <\/strong>A higher <a href=\"\/car-insurance\/car-insurance-deductible\/\">deductible<\/a> corresponds to lower insurance rates. Just remember that you\u2019ll be responsible for paying your deductible out-of-pocket in the event of an accident, so don\u2019t raise it higher than you can afford.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Liz-Jenson.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Liz-Jenson.png 250w, \/wp-content\/uploads\/2024\/09\/Liz-Jenson-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Liz-Jenson-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Liz-Jenson-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Liz Jenson            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz\u2019s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details. Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/01\/Lacie-Glover.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/01\/Lacie-Glover.png 250w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-150x150.png 150w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-56x56.png 56w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Lacie Glover            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Lacie Glover is a Lead Writer and Editor with sixteen years\u2019 experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet\u2019s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor\u2019s degree from Colorado State University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Luxury car drivers can often pay upwards of $400 per month for full coverage insurance due to high priced parts and repairs in the event of an accident. <\/p>\n","protected":false},"author":19,"featured_media":42418,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"co-author\"},{\"id\":\"301\",\"type\":\"co-author\"},{\"id\":\"374\",\"type\":\"editor\"},{\"id\":\"187\",\"type\":\"reviewer\"}]","jerry_author_ids":[366,301],"jerry_idx_page_label":"","jerry_meta_desc":"Luxury car drivers can often pay upwards of $400 per month for full coverage insurance due to high priced parts and repairs in the event of an accident. ","jerry_related_posts":"[21430,35895,2465,22099,2328]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":"[]"},"categories":[],"tags":[31,249,619],"class_list":["post-11970","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-luxury-cars","tag-resource_car_insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/11970","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=11970"}],"version-history":[{"count":14,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/11970\/revisions"}],"predecessor-version":[{"id":56217,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/11970\/revisions\/56217"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/42418"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=11970"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=11970"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=11970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}