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What to know about getting a reduced car insurance rate.

While private auto insurers are regulated by the government, they are not mandated to provide a certain level of relief during the pandemic.

There’s no uniform approach with private insurers, so they could be classified into one of three groups: those who aren’t offering any relief; those leaving it up to the consumer to contact them to obtain a discount; and those who are “proactively” giving blanket reductions to all their policyholders, regardless of whether they are driving less or not.

In addition to discounts, some insurance companies are also offering flexible payment options to customers who are struggling financially amid the pandemic and might be late with a payment or are not able to make payments.

Of note, people who have completely stopped driving in the middle of the pandemic also have the option of removing their coverage completely, keeping in mind that even in an emergency situation, they will not be able to use their car.

You can find a compiled list of car insurance companies offering COVID-19 relief and the details of those measures through Contact your broker or agent to find out how you may be affected by this.