Find Cheap Jericho Auto Insurance

Comparison shopping for Jericho auto insurance is challenging for consumers not familiar with comparison shopping online. Drivers have so many options available that it can quickly become a lot of work to find lower rates in Jericho.

It's important to do rate comparisons once or twice a year since insurance rates are constantly changing. Just because you found the best rates last year there is a good chance you can find better rates now. Don't believe everything you read about auto insurance online but we're going to give you some great ways to reduce your auto insurance bill.

Why some people pay less for insurance in Jericho

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that can help you get lower auto insurance prices.

The following are some of the items companies use to determine your rates.

Bundling policies can get discounts - Many companies give discounts to people who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to comparison shop to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.
Save money with special equipment - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
Marriage brings a discount - Getting married can get you a discount when buying auto insurance. Marriage is viewed as being more responsible it has been statistically shown that drivers who are married are more cautious.
Lower miles equals lower premium - Driving more miles every year the higher your rates will be. Most companies price each vehicle's coverage based upon how you use the vehicle. Vehicles left parked in the garage get more affordable rates compared to those used for work or business. Make sure your auto insurance coverage shows the proper vehicle usage.
Frequent auto insurance claims increase rates - Insurance companies in Vermont provide lower rates to insureds who file claims infrequently. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
Don't get talked into coverage you don't need - There are a ton of extra bells and whistles you can purchase if you aren't careful. Coverages for vanishing deductibles, better glass coverage and motor club memberships are examples of these. These may sound like a good investment when talking to your agent, but if you don't need them eliminate them to save money.
Liability coverage is cheap - Liability coverage will protect you in the event that a jury decides you are liable for damages from an accident. It provides you with a defense in court starting from day one. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.

Fast and Easy Jericho Auto Insurance Quotes

The are a couple different ways to compare rate quotes and find the best price. One of the best ways to compare insurance prices is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

The fastest way to get the best comparison quotes is a comparison rater form click to view form in new window. This method saves time by eliminating separate forms for every auto insurance company. Taking the time to complete one form gets you price quotes from several companies. It's definitely the quickest method.
A harder way to shop for auto insurance online requires visiting the website for each individual company to complete a price quote. For sake of this example, let's say you want rates from , and . To get rate quotes you would need to spend time on each company's site and enter your policy data, and that's why the first method is more popular.

For a list of links to companies insuring cars in Jericho, click here.

Which method you use is up to you, but double check that you are using identical quote information with each company. If each company quotes mixed coverages it will be very difficult to make an equal comparison in Jericho. Just a small difference in coverages can mean a large discrepancy in price. It's important to know that more quotes helps you find the best offered rates.

Policy discounts you shouldn't miss

Car insurance companies don't always list every available discount very clearly, so the following is a list of some of the best known and the harder-to-find auto insurance savings.

Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Payment Method - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
One Accident Forgiven - Certain companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
New Vehicle Savings - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with certain companies.
Driver Safety - Completing a course teaching defensive driving skills could save 5% or more if your company offers it.

A little note about advertised discounts, most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

To choose providers who offer auto insurance discounts in Vermont, follow this link.

Save $429 a year? Really?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads say the same thing about savings after switching to them. How does each company say the same thing? This is how they do it.

All companies can use profiling for the type of driver that makes them money. A good example of a preferred risk might be profiled as between 25 and 40, has no tickets, and has great credit. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will be charged more money which usually ends up with business not being written. The ad wording is "drivers who switch" but not "drivers who get quotes" save money. That's why companies can truthfully advertise the savings. That is why you need to compare as many rates as you can. It's not possible to predict the company that will give you the biggest savings.

Even more information can be read at the Vermont Department of Financial Regulation website. Vermont drivers can read consumer alerts, view a list of available companies, and get help finding coverage.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this Jericho agent directory.

Do the work, save more money

As you prepare to switch companies, make sure you don't reduce coverage to reduce premium. Too many times, an insured dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Consumers change insurance companies for any number of reasons including policy non-renewal, unfair underwriting practices, an unsatisfactory settlement offer or even delays in paying claims. No matter why you want to switch, switching auto insurance companies is easier than you think.

Cheaper auto insurance can be sourced on the web and with local Jericho insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.