Find Low-Cost Jackson Auto Insurance

If you've never shopped for auto insurance online, you may be overwhelmed by the vast number of auto insurance companies competing for business in Jackson.

It's important to do rate comparisons periodically because insurance rates are constantly changing. If you had the lowest rates two years ago the chances are good that you can find a lower rate today. So forget anything you know (or think you know) about auto insurance because you're about to learn the tricks you need to know to remove unneeded coverages and save money.

Finding affordable auto insurance coverage in Jackson is not that difficult. If you are insured now or need new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Ohio consumers only need to know the most effective way to shop for auto insurance online.

These discounts can lower your rates

Car insurance can cost a lot, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be specially asked for before you will receive the discount. If you don't get every credit you qualify for, you're paying more than you need to.

  • Sign Early and Save - A few companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
  • Air Bag Discount - Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with certain companies.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Defensive Driving Course - Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • E-sign - Certain companies will discount your bill up to fifty bucks for buying your policy online.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you can get free auto insurance, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

To see a list of providers with the best auto insurance discounts in Ohio, click here to view.

Ohio auto insurance

How to Get Jackson Auto Insurance Comparison Quotes

Most companies provide pricing online. Getting online rates is pretty easy as you simply enter your personal and coverage information as detailed in the form. Once you submit the form, the company's rating system will obtain information on your driving record and credit history and returns a price quote.

This makes comparing rates easy, but the time required to go to many different websites and complete many quote forms can be a bit repetitive. But it's very important to do this if you want to find better auto insurance pricing.

Quote rates the easy way

The preferred way to compare rates uses one simple form that analyzes rates from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable. As soon as the form is sent, it gets priced and you are able to buy any or none of the price quotes you receive.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

To save time and find out what other companies charge, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you replicate the insurance coverages as close as possible to your current policy. This makes sure you will have rate quotes based on the exact same insurance coverage.

Why some people pay less for insurance in Jackson

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get lower auto insurance prices.

  • The type of vehicle makes a difference - The type of vehicle you drive makes a substantial difference in how high your rates are. The most favorable rates are generally reserved for economy passenger cars, but there are many factors that impact the final cost.
  • Your credit rating is important - Your credit rating is a large factor in determining your rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores. If your credit history can use some improvement, you could pay less to insure your by improving your rating.
  • Too many auto insurance claims drive up costs - Insurance companies in Ohio award discounts to insureds who file claims infrequently. If you are a frequent claim filer, you can expect higher rates. Auto insurance is designed for larger claims.
  • Multi-policy discounts can save money - The majority of insurers give discounts to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to compare rates to make sure you are getting the best deal.

Different people need different coverages

When choosing adequate coverage for your vehicles, there really is no one size fits all plan. Everyone's needs are different.

For instance, these questions may help highlight whether you would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you're not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Are you falling for claims of savings?

Ohio consumers can't get away from ads for cheaper car insurance by companies like State Farm and Allstate. All the ads make an identical promise about savings if you move to them.

But how can every company make almost identical claims?

All companies have a certain "appetite" for the type of driver that is profitable for them. For example, a preferred risk could possibly be a mature driver, a clean driving record, and chooses high deductibles. A driver who meets those qualifications is entitled to the best price and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged more money and ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" not "everybody who quotes" save money. That is how companies can truthfully state the savings.

That is why drivers must get quotes from several different companies. It is impossible to predict which company will give you the biggest savings.

Best coverage at the best price

In this article, we presented some good ideas how you can compare auto insurance prices online. The key concept to understand is the more you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the best price on auto insurance is with an unexpected company.

People who switch companies do it for many reasons like high prices, poor customer service, extreme rates for teen drivers or policy non-renewal. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.

The cheapest auto insurance is definitely available online and with local Jackson insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Ohio auto insurance

Additional information can be found on the Ohio Department of Insurance website through this link. Ohio consumers can learn about specific coverages, find out industry alerts, and download brochures.

Additional helpful sites include's auto insurance page and this directory of insurance agents in Jackson Ohio.