Is Your Jerome, ID Auto Insurance Too High? Learn How to Lower Your Rates

Expensive auto insurance can drain your personal savings and force you to prioritize other expenses. Comparing price quotes is a smart way to help make ends meet.

Companies like Geico and Progressive promote their brand names with fancy advertisements and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you currently have car insurance, you will be able to lower your premiums substantially using these methods. Choosing the best insurance company for you in Jerome is easy if you know what you’re doing. But Idaho car owners can benefit from knowing the methods companies use to market insurance on the web and apply this information to your search.

Auto Insurance Prices in Jerome

All the larger auto insurance companies like Geico, State Farm and Progressive quote coverage price quotes online. The process is fairly simple as you just enter your personal and coverage information into the quote form. When complete, their system collects credit information and your driving record and returns pricing information determined by many factors. Being able to quote online simplifies rate comparisons, but the work required to visit several different sites and complete many quote forms gets old quite quickly. But it’s absolutely necessary to get many rate quotes in order to find the best price on auto insurance.

A quicker way to find cheaper rates makes use of a single form that obtains quotes from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes comparison shopping much simpler. Immediately after you send the form, your coverage is rated and you can select any of the pricing results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

If you want to get comparison pricing now, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you type in the coverage information as shown on your current policy. Doing this assures you will have a rate comparison for exact coverage.

Be sure to get all your discounts

Companies that sell car insurance do not list every discount in a way that’s easy to find, so we break down both well-publicized and also the lesser-known savings tricks you should be using.

  • Driver Safety – Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off depending on your company.
  • E-sign – A handful of insurance companies give back up to $50 simply for signing online.

Keep in mind that some credits don’t apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.Jerome ID car insurance quote

But don’t I need an insurance agent?

Certain consumers would prefer to get advice from a local agent and there is nothing wrong with that. The best thing about comparing insurance prices online is the fact that you can find better rates and still choose a local agent.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information gets sent to local insurance agents in Jerome who will return price quotes to get your business. You don’t have to leave your computer since price quotes are sent directly to your email. How’s that for easy! Get lower rates and work with a local agent.

Choosing an insurance company should depend on more than just a low price. These questions are important to ask:

  • If you have an accident, will your rates go up?
  • How much can you save by raising your physical damage deductibles?
  • If your car is totalled, how to they determine the replacement cost?
  • How are they compensated?
  • Who are their largest clients?
  • Are they properly licensed to sell insurance in Idaho?

Different types of insurance agents in Jerome

When searching for a reliable agent, you must know there are a couple types of agencies from which to choose. Agencies in Jerome are either independent or captive.

Captive Insurance Agents

This type of agents are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. They usually cannot give you multiple price quotes so always compare other rates. These agents are very knowledgeable in insurance sales which can be an advantage.

The following are Jerome captive agents who may provide you with price quotes.

Farm Bureau Insurance – 200 E Avenue A – Jerome, ID 83338 – (208) 324-4378
Farmers Insurance Group – 476 W Main St – Jerome, ID 83338 – (208) 324-2741

Independent Agencies or Brokers

Independent agents do not work for one specific company but instead can place your coverage amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency. When comparing rates, it’s a good idea to include price quotes from multiple independent agents to get the best comparison.

The following are independent insurance agencies in Jerome that are able to give rate quotes.

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Farm Bureau Insurance – 200 E Avenue A – Jerome, ID 83338 – (208) 324-4378
Jerry Haney Insurance – 101 W Main St # 3 – Jerome, ID 83338 – (208) 324-7910
Dulling Agency Inc – 706 S Lincoln Ave – Jerome, ID 83338 – (208) 324-3131

For a full directory of Jerome insurance agents, simply jump to this page.

After receiving good answers to all your questions and locked in a price quote, most likely you have located a car insurance agent that will properly service your auto insurance policy.

Additional detailed information can be found at the Idaho Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, find disaster information, and find out which companies have the most complaints.

In the end, you save

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped liability limits or collision coverage only to regret that it was a big mistake. The proper strategy is to buy a smart amount of coverage at an affordable rate.

In this article, we covered many ways to save on auto insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the biggest savings come from the least-expected company. Some small companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.