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Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. One way to do that might be to drop certain coverages from your policy.

Progressive, Travelers and Geico are among the top picks in our extensive analysis Written By Written by Insurance Senior Editor, Buy Side Amy Danise is the staff Senior Insurance Editor for Buy Side.

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Discover what influences car insurance premiums, from your age and driving record to your car's details and chosen coverage.

Find out if you need umbrella insurance.