Easy Tips to Cut Costs on Jackson Auto Insurance

Finding the best price on Jackson auto insurance can seem like an uphill battle if you are a beginner to online price comparisons. But don't be discouraged because using the internet to shop for auto insurance is actually quite easy.

It's important to take a look at other company's rates periodically since insurance rates are constantly changing. Just because you found the best price six months ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to how to use online quotes to find great coverage at a great price.

More discounts equal less premium

The price of auto insurance can be rather high, but you can get discounts that you may not know about. A few discounts will automatically apply at the time you complete a quote, but a few need to be requested specifically prior to getting the savings. If they aren't giving you every credit you qualify for, you are throwing money away.

Bundle and Save - If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
Good Student - Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
Sign Online - A handful of insurance companies give back up to $50 just for signing your application on their website.
Clubs and Organizations - Affiliation with certain professional organizations may earn a discount on auto insurance.
Federal Employees - Active or retired federal employment may qualify you for a discount with select insurance companies.

Keep in mind that some credits don't apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will cut your premiums.

It's not one size fits all

When it comes to buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that may help highlight if you might need professional guidance.

What are the best liability limits?
Do I need to file an SR-22 for a DUI in Minnesota?
Does my liability insurance cover pulling a trailer or camper?
Do I qualify for additional discounts?
Why am I required to get a high-risk car insurance policy?
What are Minnesota no-fault laws?

If you can't answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Switch companies and save? Really?

Minnesota drivers get pounded daily by advertisements for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to have a common claim that you can save after switching to their company.

How do they all say the same thing?

All the different companies have a certain "appetite" for the driver that earns them a profit. For example, a desirable insured might be profiled as between 30 and 50, a clean driving record, and has a high credit rating. A propective insured that hits that "sweet spot" will qualify for the lowest rates and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile will have to pay a more expensive rate and this can result in business not being written. The ad wording is "people who switch" not "everyone that quotes" save that much. That is how insurance companies can state the savings.

Because of the profiling, you should get as many comparisons as possible. It's not possible to predict which company will have the lowest rates.

Additional Minnesota consumer information

More information can be found on the Minnesota Department of Commerce website through this link. Minnesota drivers can view agent and company licensing information, file complaints about a company, and get help finding coverage.

Best coverage at the best price

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In many instances, someone dropped physical damage coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Throughout this article, we presented a lot of ways to reduce auto insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even find the best prices are with a company that doesn't do a lot of advertising.

Affordable auto insurance can be sourced on the web and also from your neighborhood Jackson agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.