Getting Cheaper Jasper Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, many Jasper consumers feel financially strained by their auto insurance policy.

Lots of contend for your insurance dollar, so it can be very hard to choose a and uncover the absolute lowest rate

Be sure to get all your discounts

Companies that sell car insurance don't necessarily list every discount in an easy-to-find place, so here is a list some of the best known and the harder-to-find discounts you could be receiving.

Payment Discounts - By paying your policy upfront instead of paying each month you may reduce your total bill.
Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy qualifies for this discount.
Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Service Members Pay Less - Being deployed with a military unit could mean lower rates.
Federal Government Employee - Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
Distant Student - Youth drivers who live away from home and do not have a car can receive lower rates.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of insurance companies offering auto insurance discounts in Jasper, click here.

Compare Quotes for Jasper Auto Insurance

There are several ways to compare auto insurance prices and some are more efficient than others. You can waste a lot of time driving to agents in Jasper, or you can stay home and use the internet to get pricing more quickly.

Many insurance companies enroll in a system that allows shoppers to send in one quote, and at least one company provides a quote determined by their information. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To submit your quote information now, click to open in new window.

The only downside to getting quotes like this is that you can't choose which carriers to get quotes from. If you prefer to choose specific insurance companies for rate comparison, we put together a list of the cheapest auto insurance companies in Georgia. Click here for list of insurance companies in Georgia.

However you get your quotes, ensure you are comparing the exact same coverage limits and deductibles for each comparison quote. If your comparisons have different liability limits it will be very difficult to determine the lowest rate in Jasper. Slightly different coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will increase your chances of finding the best rates.

Jasper Rates are Influenced by These Factors

An important part of buying insurance is that you know the factors that go into determining auto insurance rates. Understanding what impacts premium levels enables informed choices that will entitle you to big savings.

Listed below are some of the factors auto insurance companies consider when setting prices.

Optional equipment can affect rates - Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
Do you know your deductibles? - The deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and rolling your vehicle. The more money you are required to pay out-of-pocket, the less your auto insurance will be.
How many coverages with the same company - Most insurance companies provide better rates to people who have multiple policies with them. It's known as a multi-policy discount. Discounts can be 10 percent or more. Even if you're getting this discount it's in your best interest to compare rates to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.
Safer occupants lowers premiums - Vehicles with good safety scores get lower rates. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and lower rates for you.
Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Careers like doctors, social workers and accountants tend to have higher rates than average in part from high stress levels and lots of time spent at work. On the flip side, occupations like actors, athletes and homemakers receive lower rates.
Mature drivers pay less - Older insureds are more cautious drivers, file fewer claims and are safer drivers. Teenage drivers are statistically proven to be more careless when behind the wheel therefore auto insurance rates are much higher.

Is there truth in advertising?

Auto insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all have a common claim about savings if you switch to their company. How do they all say the same thing? This is how they do it.

All the different companies are able to cherry pick for the driver that is profitable for them. An example of a driver they prefer might be profiled as over the age of 40, has no driving citations, and has excellent credit. A propective insured that hits that "sweet spot" receives the best rates and is almost guaranteed to cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be quoted higher prices and this can result in business not being written. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully make those claims. This emphasizes why drivers must get quotes from several different companies. It's not possible to predict which auto insurance company will have the lowest rates.

Final considerations

Cheaper auto insurance can be found on the web and also from your neighborhood Jasper agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

While you're price shopping online, you should never reduce coverage to reduce premium. There have been many situations where someone sacrificed liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

Learn more about Georgia auto insurance

Even more information is available at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can view a list of available companies, report car insurance fraud, read consumer alerts, and find disaster information.