Jerome Auto Insurance For Less Than You're Paying Now

Are you intimidated by the sheer number of auto insurance options in Jerome? Lot's of other consumers are too. You have so many options that it can turn into a challenge to find better rates.

Finding affordable coverage in Jerome is easy if you know what you're doing. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. But Michigan drivers do need to know the methods companies use to determine prices and use this information to your advantage.

compare Jerome auto insurance rates

How to Compare Auto Insurance in Jerome, Michigan

The are a couple different ways of comparing price quotes from auto insurance companies in your area. The best method to find the cheapest insurance rates is to use the internet to compare rates. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form prevents you from having to do boring form submissions for every auto insurance company. Filling out one form will return price quotes from all major companies. This is by far the quickest method.
  • A more difficult way to shop for auto insurance online consists of visiting the website of each company to complete their respective quote request forms. For sake of this example, we'll pretend you want to compare rates from , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in Jerome, click here.
  • The least recommended method of comparing rate quotes to local Jerome insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you require the personal advice of a local Jerome agent. However, consumers can get the lowest quotes online but buy from a local insurance agent. We'll cover that shortly.

It's up to you which method you use, but ensure you are comparing apples-to-apples deductibles and coverage limits on every quote you get. If each company quotes different values for each quote it will be impossible to determine which rate is truly the best in Jerome. Quoting even small variations in insurance coverages can result in a big premium difference. Just remember that comparing a large number of companies provides better odds of finding better pricing.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list every discount very well, so we break down both well-publicized as well as the least known savings tricks you should be using.

  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Memberships - Participating in a professional or civic organization is a good way to get lower rates when shopping for auto insurance.
  • Lower Rates for Military - Being on active duty in the military can result in better rates.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
  • Life Insurance - Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Homeowners Discount - Simply owning a home can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
  • Driver's Ed - Have your child successfully complete driver's ed class in high school.
  • No Charge for an Accident - Some insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.

Consumers should know that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, companies don't profit that way.

To see a list of insurance companies with the best auto insurance discounts in Michigan, click here to view.

Learn more about Michigan auto insurance

More detailed Michigan auto insurance information can be found at the Michigan Office of Financial and Insurance Regulation website. Michigan consumers can view a list of available companies, find out which companies have the most complaints, and read consumer alerts.

Additional helpful sites include this site for auto insurance rates in Michigan and this list of insurance agents in Jerome, MI.