Top 8 Ways to Save Money on Car Insurance in Jamaica
Expensive car insurance can dwindle your savings account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.
Lots of contend to insure your vehicles, and because of this it can be hard to compare to find the absolute lowest price
It's important to check car insurance prices on a regular basis since rates are constantly changing. Even if you think you had the lowest price a few years ago you can probably find a lower rate today. There is a lot of bad information regarding car insurance on the web, but we're going to give you some great ways to find affordable car insurance.
Which Car Insurance is Cheapest in Jamaica, New York?
There are several ways to compare car insurance quotes, and some are less time-consuming than others. You can spend countless hours discussing policy coverages with insurance agencies in Jamaica, or you can utilize online quoting to accomplish the same thing much quicker.
The majority of car insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and every company can give them a price. This saves time by eliminating quotation requests to each individual car insurance company.
To submit your quote information now, click to open in new window.
The single downside to using this type of form is you are unable to specify the providers you want to price. So if you want to choose individual companies to compare rates, we put together a list of low cost car insurance companies in New York. Click here to view list.
It's up to you which method you use, but ensure you are comparing the exact same coverage limits with each company. If you compare differing limits it will be next to impossible to make an equal comparison in Jamaica. Quoting even small variations in coverages can make a big difference in price. Just remember that quoting more will enable you to find better pricing.
Be sure to get all your discounts
Car insurance is not cheap, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but a few must be manually applied before you will receive the discount.
- Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- E-sign - Some insurance companies will give a small break for buying your policy on their website.
- Low Mileage - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
- Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy could earn a price break for each car.
- Anti-lock Brake System - Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
- Air Bag Discount - Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
- Safety Course Discount - Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
- New Car Discount - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.
To see a list of providers with discount car insurance rates in Jamaica, click here to view.
Additional information is located on the website for the New York Department of Financial Services through this link. Consumers can read consumer alerts, get help finding coverage, find disaster information, and report car insurance fraud.
