I can’t think of a single person who likes having to buy car insurance, especially knowing the price is too high. Consumers have many insurance companies to choose from, and although it’s a good thing to have a selection, lots of choices makes it harder to find a good deal.
You need to get comparison quotes periodically because rates are usually higher with each renewal. Just because you found the lowest premium rates a few years ago you may be paying too much now. Block out anything you think you know about car insurance because you’re going to get a crash course in how to quote online to reduce your cost while increasing coverage.
Pricing more affordable protection in Jordan is easy if you know what you’re doing. In a nutshell, every driver who is required by state law to have car insurance stands a good chance to be able to find lower rates. But Montana vehicle owners do need to understand how insurance companies sell insurance online.
Are you getting every discount?
Not many people think insurance is cheap, but you may qualify for discounts that you may not even know about. Some of these disounts will be visible when you purchase, but a few must be asked about before being credited.
- Military Discounts – Having a family member in the military could mean lower rates.
- Organization Discounts – Affiliation with a professional or civic organization is a simple method to lower premiums when getting a .
- No Charge for an Accident – This one isn’t a discount, but companies like Liberty Mutual and GEICO will turn a blind eye to one accident before raising your premiums if you are claim-free for a specific time period.
- Paper-free Discount – Certain insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on your computer.
- Drivers Ed for Students – Require your teen driver to complete a driver education course as it can save substantially.
- Buy New and Save – Insuring a vehicle that is new can be considerably cheaper because newer vehicles keep occupants safer.
- Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
One last thing about discounts, most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.
Large car insurance companies and a summarized list of policyholder discounts are detailed below.
- Farmers Insurance includes discounts for bundle discounts, pay in full, business and professional, youthful driver, homeowner, early shopping, and good student.
- Esurance has discounts for claim free, DriveSense, online shopper, paid-in-full, good driver, multi-car, and anti-lock brakes.
- State Farm has savings for safe vehicle, Drive Safe & Save, passive restraint, good student, and multiple autos.
- GEICO offers discounts including anti-lock brakes, membership and employees, defensive driver, military active duty, and driver training.
- Allstate policyholders can earn discounts including good student, anti-lock brakes, passive restraint, FullPay discount, 55 and retired, defensive driver, and utility vehicle.
Before you buy a policy, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in Jordan. For a list of companies that offer multiple discounts in Montana, click here to view.
Comparing car insurance rates is a ton of work if you don’t know the fastest way to get free quotes. You could spend your day talking about coverages with local insurance agents in Jordan, or you could use online quotes to get the quickest rates.
Most of the best insurance companies belong to a marketplace that allows shoppers to submit one quote, and every company returns a competitive quote determined by their information. This system prevents you from having to do quote requests to each company.
To compare rates now click to open in new window.
The one disadvantage to comparing rates this way is that consumers can’t choose the companies to receive prices from. So if you prefer to pick specific providers to receive pricing from, we have a page of the cheapest car insurance companies in Montana. Click to view list.
Take whichever approach you prefer, but ensure you are comparing the same coverage information on every price quote you get. If you are comparing unequal deductibles or liability limits you will not be able to decipher which rate is best in Jordan. Slightly different insurance coverages may result in large price differences. And when comparing car insurance rates, know that comparing a large number of companies will increase your chances of finding a better price.
When in doubt talk to an agent
When it comes to buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether your personal situation may require specific advice.
- Should I buy additional glass protection?
- Do I need medical payments coverage since I have good health insurance?
- Am I covered when pulling a rental trailer?
- Do I benefit by insuring my home with the same company?
- If my vehicle is totaled, can I afford another vehicle?
- Is Montana a no-fault state?
- How much liability coverage do I need in Montana?
- Does liability extend to a camper or trailer?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
Summing up your car insurance search
More affordable car insurance is possible online and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. Some companies do not offer the ability to get quotes online and most of the time these smaller providers provide coverage only through local independent agencies.
We covered a lot of techniques to compare car insurance auto insurance rates online. It’s most important to understand that the more providers you compare, the better likelihood of getting . You may even find the best auto insurance rates are with some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.