Getting Cheap Jasper Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, you're not the only one.

You have so many to buy insurance from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates.

It's important to shop coverage around at least once a year due to the fact that insurance rates are constantly changing. Even if you got the best price a couple years back you will most likely find a better rate today. Block out anything you think you know about car insurance because we're going to demonstrate the tricks you need to know to eliminate unnecessary coverages and save money.

These discounts can lower your rates

Car insurance is not cheap, buy you may qualify for discounts to reduce the price significantly. Most are applied at the time you complete a quote, but a few need to be asked about prior to getting the savings.

  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Auto/Life Discount - Some companies give a discount if you purchase a life insurance policy as well.
  • E-sign - Certain companies may give you up to $50 just for signing your application over the internet.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.

It's important to note that most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates it's possible to get free car insurance, you're out of luck. But any discount will bring down the cost of coverage.

Jasper car insurance quote

Are you falling for claims of savings?

Companies like Allstate and Progressive continually stream ads on television and other media. All the ads make the same claim that you can save after switching your coverage to them. How does each company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the type of customer that earns them a profit. For example, a preferred risk might be over the age of 40, has no tickets, and drives less than 10,000 miles a year. Any driver who matches those parameters gets the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged a more expensive rate which leads to the customer not buying. Company advertisements say "customers who switch" not "everybody who quotes" save that much money. That's the way insurance companies can advertise the way they do.

That is why you should compare as many rates as you can. You cannot predict which car insurance company will provide you with the cheapest rates.

More information can be found on the website for the Michigan Office of Financial and Insurance Regulation found here. Visitors are able to read consumer alerts, discover disciplinary actions, file complaints about an insurance agent or broker, and get help finding coverage.

car insurance in Jasper

Do the work, save more money

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

Lower-priced car insurance can be purchased both online as well as from independent agents in Jasper, and you need to comparison shop both to have the best rate selection. Some car insurance companies don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.