Easy Methods to Spend Less on Jefferson Car Insurance

Purchasing low-cost Jefferson car insurance over the internet may be challenging for consumers not familiar with comparing rates online. With dozens of insurers available, how can consumers effectively compare every company to locate the lowest price?

It's important to take a look at other company's rates yearly due to the fact that insurance rates are constantly changing. Just because you found the best price a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because you're about to learn how to use online quotes to reduce your cost while improving coverage.

This information will teach you how to effectively get price quotes. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these techniques. But Ohio consumers do need to know the way companies sell online and apply this information to your search.

Where Can I Get Cheap Jefferson Car Insurance?

Most major insurance companies give coverage prices on their websites. Obtaining pricing is pretty painless as you simply enter your required coverages into the quote form. Behind the scenes, the system will obtain your credit score and driving record and returns a price based on these factors.

This helps simplify price comparisons, but having to visit different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to get a lower rate.

A less time-consuming method to compare car insurance pricing makes use of a single form to return rates from multiple companies. It's a real time-saver, reduces the work, and makes quoting online a little more enjoyable. As soon as you send your information, your coverage is rated and you can select any or none of the returned quotes.

If a lower price is quoted, it's easy to complete the application and buy the policy. This process takes 15 minutes at the most and may result in a nice savings.

In order to find out how much you're overpaying now, click here and begin entering your coverage information. If you currently have coverage, we recommend you type in the insurance coverages identical to your current policy. This way, you will receive an apples-to-apples comparison based on similar coverages.

Jefferson car insurance quote

Jefferson Rates are Influenced by These Factors

It's important that you understand the different types of things that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

The following are a few of the "ingredients" car insurance companies consider when setting your rates.

  • Credit scores impact car insurance rates - Your credit history is a important factor in determining what you pay for car insurance. Therefore, if your credit score is not that good, you could be paying less to insure your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Proper usage rating affects rates - Driving more miles in a year's time the higher your rates will be. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your car insurance coverage properly reflects the proper vehicle usage.
  • Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes cause accidents in similar percentages, but men have costlier accidents. Men also receive more costly citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Consolidate policies to earn discounts - Many insurers give discounts to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to ensure the best deal.
  • Older drivers save more - Youthful drivers in Ohio are known to be less responsible when driving so car insurance rates are higher. Having to add a youthful driver to your car insurance policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel.

More discounts equal less premium

Car insurance is not cheap, but you can get discounts that you may not know about. Certain discounts will be applied at the time of purchase, but a few need to be manually applied prior to receiving the credit.

  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Life Insurance - Select insurance companies reward you with a break if you buy life insurance.
  • Accident Waiver - Some insurance companies will forgive one accident without raising rates if you are claim-free for a set time period.
  • Resident Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Driver Safety - Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Early Switch Discount - Some insurance companies reward drivers for buying a policy before your current policy expires. It's a savings of about 10%.
  • Good Student Discount - Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Save with a New Car - Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Driver's Ed - Require your teen driver to take driver's ed class if it's offered in school.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, companies don't profit that way. But all discounts will help reduce your premiums.

For a list of providers who offer car insurance discounts in Ohio, click here to view.

It's not one size fits all

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone's situation is a little different.

Here are some questions about coverages that can help discover if you might need an agent's assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the financial responsibility laws in Ohio?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need PIP (personal injury protection) coverage in Ohio?
  • Why does it cost so much to insure a teen driver in Jefferson?
  • Should I buy additional glass protection?
  • Should I have combined single limit or split liability limits?

If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form.

Much more information about car insurance in Ohio can be found on the Ohio Department of Insurance website located here. Visitors are able to find out industry alerts, file complaints about an insurance agent or broker, and learn about insurance regulations.

Other useful links include BankRate.com's Car Insurance: When not to Skimp and this directory of Jefferson insurance agents.

Ohio car insurance quotes

Do the work, save more money

When shopping online for car insurance, do not reduce needed coverages to save money. Too many times, consumers will sacrifice physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Discount car insurance can be sourced both online and also from your neighborhood Jefferson agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

We just presented some good ideas how you can lower your car insurance rates. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest rates come from some of the lesser-known companies.