Proven Ways to Save on Jamestown Auto Insurance

Tired of paying out the nose each month for car insurance? You're in the same situation as many other Kentucky drivers. Having so many choices, it can be impossible to find the best provider.

It's important to compare prices once or twice a year because insurance rates are constantly changing. Even if you got the best rates six months ago there is a good chance you can find better rates now. There is a lot of wrong information about auto insurance on the web, but we're going to give you some great ways to reduce your auto insurance bill.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the rating factors that go into determining the price you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get big savings.

Listed below are some of the items used by your company to calculate your rates.

Do you know you're credit rating? - Your credit score is a large factor in your rate calculation. So if your credit history is lower than you'd like, you could save money insuring your by improving your rating. People with excellent credit tend to be more responsible than those with poor credit.
Your car's features help determine rates - Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your vehicle from being stolen.
Traffic violations increase rates - Your driving record has a big impact on rates. Even a single ticket can bump up the cost forty percent or more. Drivers who don't get tickets receive lower rates than bad drivers. Drivers who get serious violations such as DUI or reckless driving may be required to file a SR-22 with their state DMV in order to continue driving.
Low deductibles can be expensive - Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims could be colliding with a building, vandalism, and windstorm damage. Physical damage deductibles are the amount of money you are willing to pay in the event of a claim. The more expense you have to pay, the less your company will charge you for insurance.
The more you drive the more you pay - The more miles you rack up on your car every year the higher your rates will be. Almost all companies apply a rate based on their usage. Autos not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your auto insurance policy properly reflects how each vehicle is driven.
Being married can save on auto insurance - Getting married can actually save you money on your auto insurance policy. Marriage translates into being more mature and it's statistically proven that drivers who are married are more cautious.
Do you have enough liability coverage? - Liability insurance will protect you in the event that a court rules you are at fault for personal injury or accident damage. It will provide you with a defense in court which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.

Fast and Easy Jamestown Auto Insurance Quotes

Reducing your insurance rates isn't really that difficult. You just have to spend a few minutes on the computer comparing rate quotes from different insurance companies. This can be accomplished in a couple of different ways.

The fastest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form eliminates the need for boring form submissions to each individual auto insurance company. Taking the time to complete one form compares rates from all major companies.
A less efficient way to get quotes online is going to each company website and fill out their own quote form. For examples sake, let's say you want rates from , and . To find out each rate you need to take the time to go to each site and enter your information, which is why most consumers use the first method. To view a list of companies in Jamestown, click here.

It doesn't matter which method you choose, just double check that you are using apples-to-apples coverage limits and deductibles for every quote you compare. If the quotes have different liability limits it will be impossible to determine the best price in Jamestown.

Save big with these discounts

Car insurance can cost a lot, but discounts can save money and there are some available that many people don't even know exist. Certain discounts will be applied at the time of purchase, but some may not be applied and must be requested specifically prior to receiving the credit. If you don't get every credit available, you are paying more than you should be.

Air Bag Discount - Vehicles with factory air bags can receive discounts up to 30%.
Lower Rates for Military - Having a family member in the military could mean lower rates.
Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Low Mileage - Driving fewer miles could qualify for better rates on cars that stay parked.
Auto/Life Discount - Some companies give a break if you buy auto and life insurance together.

Keep in mind that many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn't work that way. But any discount will help reduce your overall premium however.

To choose providers offering auto insurance discounts in Kentucky, click this link.

Auto insurance ads bend the truth

Kentucky consumers can't ignore all the ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the ads make the same claim that you can save if you switch your coverage to them.

But how can every company make almost identical claims?

All the different companies can use profiling for the type of customer that makes them money. A good example of a preferred risk could possibly be between the ages of 30 and 50, has no tickets, and has a high credit rating. A driver who matches those parameters will get the preferred rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile will be charged higher prices which leads to the driver buying from a lower-cost company. The ads state "people who switch" not "people who quote" save that much money. That's why insurance companies can state the savings.

That is why you need to compare as many rates as you can. It is impossible to predict the company that will have the lowest rates.

More information can be read on the website for the Kentucky Department of Insurance through this link. Kentucky consumers can find out industry alerts, view a list of available companies, file complaints about a company, and report car insurance fraud.

Other informative sites include NAIC.org's Understanding your Policy and this directory of Jamestown insurance agents.

And the best car insurance company is...

In this article, we presented many ideas to compare auto insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest rates come from an unexpected company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like .

As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. There have been many cases where an insured dropped collision coverage and discovered at claim time that they should have had better coverage. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.