Jackson Auto Insurance For Less Than You're Paying Now

If you're new to shopping for auto insurance online, it's easy to be confused because of the huge number of auto insurance companies offering coverage in Jackson.

It's important to do rate comparisons occasionally because insurance rates are constantly changing. If you had the best deal on your last policy you can probably find a better price now. Starting now, forget anything you know (or think you know) about auto insurance because you're about to learn the proper way to remove unneeded coverages and save money.

Why some people pay less for insurance in Jackson

Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

The list below includes some of the factors companies use to determine rates.

  • Sex matters - Statistics show that men are more aggressive behind the wheel. However, don't assume that women are better drivers. Both sexes are in accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations such as DWI and reckless driving.
  • More than one policy can earn a discount - The majority of auto insurance companies will give a discount to customers who consolidate policies with them. It's known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it's still a good idea to comparison shop to make sure you are getting the best deal.
  • Car features impact rates - Owning a car with a theft deterrent system can save you a little every year. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
  • Liability insurance protects assets - The liability section of your policy is the coverage that protects you if ever a court rules you are at fault for damages from an accident. Liability provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but you may find discounts to help offset the cost. Most are applied when you complete an application, but some must be inquired about before they will apply.

  • Accident Forgiveness - A few companies allow you one accident before hitting you with a surcharge as long as you don't have any claims for a set time period.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Organization Discounts - Participating in certain professional organizations could trigger savings on auto insurance.
  • Defensive Driving Course - Successfully completing a course in driver safety can save you 5% or more if your company offers it.

It's important to note that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you're out of luck. But any discount will cut the cost of coverage.

To choose companies with the best auto insurance discounts in Jackson, click this link.

How can State Farm, GEICO and Progressive save drivers who switch?

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads on television and other media. They all seem to make the same claim that you can save if you move to them. How do they all make almost identical claims? It's all in the numbers.

Insurance companies have a certain "appetite" for the type of driver that makes them money. An example of a desirable insured could possibly be over the age of 40, owns a home, and has great credit. A driver who matches those parameters will get the preferred rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will have to pay higher rates which leads to the driver buying from a lower-cost company. The ads state "customers who switch" not "everybody who quotes" save money. That is how insurance companies can advertise the savings.

Because of the profiling, you should get quotes from several different companies. It is impossible to predict which company will fit your personal profile best.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there is no one size fits all plan. Every situation is different.

For instance, these questions might point out whether you could use an agent's help.

  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have any recourse if my insurance company denies a claim?
  • Are rental cars covered under my policy?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?

If it's difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

For more California car insurance information

More information is available on the California Department of Insurance website found here. California consumers can learn about insurance regulations, read consumer alerts, and view a list of available companies.

Jackson auto insurance quote

Final considerations

Lower-priced auto insurance is possible online and with local Jackson insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not offer online price quotes and most of the time these smaller companies sell through independent agents.

When you buy insurance online, never buy poor coverage just to save money. In many cases, an insured cut liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at the best price.

Insureds who switch companies do it for a variety of reasons including denial of a claim, policy non-renewal, extreme rates for teen drivers or even questionable increases in premium. Regardless of your reason for switching companies, finding a new auto insurance company is easier than you think.