Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their car insurance policy.
Online insurance companies like Allstate, Progressive and GEICO constantly blast consumers with advertising and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.
It’s a good habit to compare prices every six months because rates are adjusted regularly by insurance companies. If you had the lowest rates on YJ coverage last year the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about car insurance on the web, but we’re going to give you the best ways to buy car insurance cheaper.
How to Compare Car Insurance
Performing a rate comparison is a ton of work if you don’t utilize the best way to get rate quotes. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to achieve your goal.
Many companies belong to an insurance system where insurance shoppers only type in their quote data once, and at least one company then returns a price quote based on the submitted data. This system prevents you from having to do repetitive form submissions for each company.
To access this free quoting program, click here to start a free quote.
The one disadvantage to comparing rates this way is you can’t choose the companies to receive prices from. So if you want to choose from a list of companies to receive pricing from, we have a listing of the cheapest car insurance companies in your area. Click to view list.
Which method you use is up to you, but ensure you’re using identical coverage information for each comparison quote. If your comparisons have mixed coverages it will be impossible to make a fair comparison for your Jeep YJ. Having just a slight variation in coverages can mean a large discrepancy in price. It’s important to know that comparing more company’s prices will improve the odds of getting a lower rate.
These discounts can slash car insurance rates
Car insurance is not cheap, but there are discounts available to help offset the cost. A few discounts will automatically apply when you quote, but some must be asked about prior to receiving the credit.
- Safe Drivers – Insureds without accidents may receive a discount up to 45% less on YJ coverage than their less cautious counterparts.
- Own a Home – Being a homeowner can help you save on car insurance because maintaining a house shows financial diligence.
- Club Memberships – Belonging to a professional or civic organization may earn a discount when buying car insurance on YJ coverage.
- No Claims – Claim-free drivers pay much less as compared to frequent claim filers.
- Multi-policy Discount – When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
- Defensive Driver – Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
- Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
Consumers should know that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will help reduce the amount you have to pay.
To choose insurers with discount car insurance rates, click here to view.
