Jericho Auto Insurance For Less Than You’re Paying Now

Feel like you’re a prisoner to high-priced auto insurance? Believe me, there are lots of people in the same boat.

With consumers having so many choices of insurance companies, it’s nearly impossible to find the right insurance company.

You need to get comparison quotes yearly because prices change regularly. Even if you think you had the best deal a couple years back the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the easiest way to find the best coverage while lowering your premiums.

Buying car insurance in Jericho is not rocket science. Just about everyone who carries auto insurance will more than likely be able to reduce their rates. But Vermont car owners benefit from understanding how the larger insurance companies determine prices and take advantage of how the system works.

Verify you’re getting all your discounts

Car insurance companies don’t always advertise all their discounts very well, so we researched some of the best known and the more hidden discounts you could be receiving.

• One Accident Forgiven – A handful of insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
• Good Students Pay Less – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
• Safety Course Discount – Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
• Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.
• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
• Resident Student – Any of your kids who are attending college and don’t have a car can be insured at a reduced rate.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

To choose companies with discount auto insurance rates in Jericho, follow this link.

Compare Jericho Auto Insurance Costs

When shopping for auto insurance there are multiple ways to compare rate quotes from different in Jerichoinsurance companies. The easiest way by far to compare insurance prices is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.

1. The single most time-saving way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This type of form prevents you from having to do repetitive form entry for each company you want a rate for. Completing one form gets rate comparisons .
2. A different way to get comparison quotes is spending the time to visit each company’s website and fill out their own quote form. For sake of this example, let’s say you want rates from Auto-Owners, Farmers and Liberty Mutual. To get rate quotes you would need to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.

   For a handy list of car insurance company links in Jericho, click here.

3. The most time-consuming way to compare rates to local Jericho insurance agencies. The internet eliminates the need for an insurance agent unless you have a need for the trained guidance that only a license agent can provide. It is possible to get the lowest quotes online and still use a local agent.

It’s your choice how you get your quotes, but compare apples-to-apples deductibles and coverage limits with each company. If you are comparing higher or lower deductibles it will be very difficult to make an equal comparison in Jericho. Just a small difference in coverages may cause a big price difference. It’s important to know that having more price comparisons will enable you to find a better price.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

• Little extras can really add up – There are quite a few add-on coverages you can purchase when buying auto insurance. Insurance for vanishing deductibles, better glass coverage and membership fees may be costing you every month. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
• Your age impacts your rates – More mature drivers are more responsible, tend to file fewer claims and are safer drivers. Teenage drivers tend to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
• Discounts for multiple policies – Most insurers will award you with lower prices to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, you may still want to compare rates to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying auto insurance from a different company.
• Liability insurance protects assets – Liability insurance provides coverage if a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
• Small claims can cost you – Companies in Vermont award cheaper rates to insureds who are claim-free. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Sex matters – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women cause accidents at about the same rate, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.
• Car features impact rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
• Do you have a high stress job? – Jobs such as doctors, business owners and stock brokers are shown to have the highest rates due to high stress and lots of time spent at work. On the other hand, jobs such as scientists, students and retirees pay the least.

Buying car insurance locally

Certain consumers just want to talk to a local agent and there is nothing wrong with that. The best thing about price shopping on the web is the fact that you can find the lowest rates and still have an agent to talk to.

To make it easy to find an agent, after completing this short form, your insurance coverage information is sent to participating agents in Jericho who will battle for your coverage. You don’t have to visit any agencies because quoted prices will be sent straight to your inbox. It doesn’t get any easier! You’ll get the best rates AND a local agent.

Deciding on a company shouldn’t rely on just a low price. These are valid questions to ask:

• Which insurance companies are they affiliated with?
• If you are a high risk driver, do they have special markets for your coverage?
• What will you get paid if your car is a total loss? How is that amount determined?
• Does the agent have professional designations like CIC, CPCU or AIC?
• How often do they review policy coverages?
• Which members of your family are coverage by the policy?

Pick the best insurance agent in Jericho for you

When searching for a good insurance agency, there are a couple of types of agencies to choose from. Jericho agents are classified as either captive or independent.

Captive Insurance Agents

This type of agents work for only one company and examples are State Farm, AAA and Liberty Mutual. They usually cannot shop your coverage around so they have no alternatives for high prices. Captive agents are very knowledgeable on their company’s products and that can be a competitive advantage.

Independent Agencies or Brokers

Independent agents are not locked into one company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies.

When searching for an agent, it’s a good idea to include several independent insurance agents to get the best comparison.

Listed below is a short list of independent agencies in Jericho willing to provide price quote information.

Keith Agency – 38 Vermont Route 15 – Jericho, VT 05465 – (802) 899-2323

To view a full list of licensed insurance agents in Jericho, click here to link.

After getting satisfactory answers and a good coverage price, most likely you have located a car insurance agent that meets your needs to properly insure your vehicles.

Compare but don’t skimp

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. There are many occasions where someone sacrificed full coverage and learned later that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Affordable auto insurance can be bought online and also from your neighborhood Jericho agents, so compare prices from both to have the best rate selection. A few companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Additional reading for auto insurance information

Even more information is available at the Vermont Department of Financial Regulation website. Vermont consumers can file complaints about a company, find out which companies have the most complaints, report car insurance fraud, and learn about insurance regulations.