Tired of scraping the payment together to pay auto insurance each month? You have the same problem as many other consumers in New York.

Inconceivable but true, a large majority of drivers have purchased from the same company for more than four years, and 38% of customers have never even compared rates from other companies. Jamestown drivers could pocket up to 45% a year just by getting comparison quotes, but most just don't grasp how much money they would save if they switched to a more affordable policy. You have multiple insurance companies to pick from, and though it is a good thing to have a choice, more options can take longer to compare rates and find the lowest cost auto insurance.

You need to get comparison quotes once or twice a year because insurance rates are variable and change quite frequently. Despite the fact that you may have had the best rate on auto insurance six months ago you can probably find a better price now. Ignore everything you know about auto insurance because you're going to learn the fastest way to find better rates and still maintain coverage.

Pricing the best policy in Jamestown is quite easy. If you have a current insurance policy or just want to reduce your rates, use these cost-cutting techniques to lower your rates while maximizing coverage. Drivers just have to learn the quickest method to shop their coverage around from many companies at once.

Most companies allow you to get pricing online. Getting quotes is very simple as you just type in the coverage amounts you desire into the form. After you complete the form, their quoting system obtains credit information and your driving record and provides a quote based on many factors. Being able to quote online simplifies rate comparisons, and it is important to get many rate quotes in order to get the most affordable possible premiums on auto insurance.

To quickly use this form to compare rates, compare rates now from the companies shown below. If you have coverage now, it's recommended you copy the insurance coverages as shown on your current policy. This ensures you will receive comparison quotes for similar coverage.

The companies shown below are ready to provide price quotes in Jamestown, NY. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in Jamestown
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ 2WD $842 $421 $70
Chevrolet Silverado LT Crew Cab 4WD $1,128 $564 $94
Dodge Ram Quad Cab ST 4WD $1,022 $511 $85
Ford Escape XLT 4WD $722 $361 $60
Ford F-150 XLT Regular Cab 2WD $776 $388 $65
Ford Focus SES 2-Dr Coupe $1,182 $591 $99
Honda Accord LX-P 4-Dr Sedan $890 $445 $74
Honda CR-V LX 2WD $520 $260 $43
Honda Civic EX 2-Dr Coupe $1,116 $558 $93
Jeep Grand Cherokee SRT-8 4WD $770 $385 $64
Nissan Altima 2.5 S 2-Dr Coupe $1,076 $538 $90
Toyota Camry Hybrid $784 $392 $65
Toyota Corolla XLE $766 $383 $64
Toyota Prius $778 $389 $65
Volkswagen Jetta 2.0T 4-Dr Sedan $954 $477 $80
Get Your Own Custom Quote Go

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Prices do not factor in your specific Jamestown location which can influence insurance rates substantially.

Comparison of car insurance rates by age and gender in Jamestown

The example below compares auto insurance rates for male and female drivers in Jamestown. The information is based on no violations or accidents, full coverage, $250 deductibles, single marital status, and no policy discounts are applied on a Nissan Altima 3.5 SR.

Nissan Altima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Where to set your deductibles

The hardest decision when buying coverage is what deductibles to buy. The premium rates below may help to conceptualize the rate differences when you select higher and lower comp and collision deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Tahoe insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $204 $344 $264 $16 $80 $933 $78
Tahoe LS 4WD $230 $344 $264 $16 $80 $959 $80
Tahoe LT 2WD $230 $344 $264 $16 $80 $959 $80
Tahoe LT 4WD $230 $344 $264 $16 $80 $959 $80
Tahoe LTZ 2WD $230 $406 $264 $16 $80 $1,021 $85
Tahoe LTZ 4WD $230 $406 $264 $16 $80 $1,021 $85
Get a Quote for Your Vehicle Go
Chevrolet Tahoe insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $166 $278 $264 $16 $80 $804 $67
Tahoe LS 4WD $188 $278 $264 $16 $80 $826 $69
Tahoe LT 2WD $188 $278 $264 $16 $80 $826 $69
Tahoe LT 4WD $188 $278 $264 $16 $80 $826 $69
Tahoe LTZ 2WD $188 $328 $264 $16 $80 $876 $73
Tahoe LTZ 4WD $188 $328 $264 $16 $80 $876 $73
Get a Quote for Your Vehicle Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can influence price quotes considerably.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $11 more each month or $132 for a full year than selecting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at least 23 months between claims, you would save money going with the higher deductible.

These discounts can slash insurance rates

Some insurance providers don't always list all possible discounts very clearly, so the list below details some of the more common as well as the least known credits available to lower your premiums when you buy Jamestown car insurance online. If you do not check that you are getting every discount you qualify for, you could be saving more on your insurance.Save money with discounts

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

A list of insurance companies and some of the premium reductions they offer are included below.

If you need low cost Jamestown car insurance quotes, ask every company the best way to save money. Some discounts listed above may not apply to policyholders in your state. If you would like to view insurance companies that provide some of the discounts listed above in New York, follow this link.

When do I need an agent's advice?

When it comes to buying your policy, there really isn't a one size fits all plan. Every situation is different so this has to be addressed.Safe vehicles cost less to insure For example, these questions could help you determine if your insurance needs might need professional guidance.

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

How your Jamestown prices are determined

Many different elements are used when premium rates are determined. Some are pretty understandable such as your driving record, although some other factors are more obscure like where you live or how safe your car is.

Car plus home equals more savings - Most major companies allow a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be as much as ten percent or more Even with this discount, it's still a good idea to get quotes from other companies to guarantee you are still saving the most.

If you don't need it don't buy it - There are many extra add-on coverages that can add up if you aren't careful. Coverages like coverage for rental cars, towing coverage, and term life insurance are probably not needed. They may seem like a good idea when deciding what coverages you need, but if you have no use for them remove them and pocket the money.

Premiums and your address - Living in areas with lower population may provide you with better prices when talking about auto insurance. Fewer drivers on the road translates into fewer accident claims and also fewer theft and vandalism claims. Drivers in populated New York areas tend to have traffic congestion and longer commute times. The longer drive time means a statistically higher chance of an accident.

Premiums are high for teenagers - More mature drivers tend to be more responsible, are lower risk to insure, and are generally more financially stable.Young drivers are statistically proven to be inattentive and easily distracted when driving so they pay higher auto insurance rates.

Three main reasons to buy insurance

Even though it's not necessarily cheap to insure a vehicle in Jamestown, insurance serves a purpose in several ways.

The benefits of insuring your vehicle are definitely more than the cost, especially when you need to use it. But the average American driver is overpaying over $820 a year so smart consumers compare quotes each time the policy renews to save money.

Best and worst vehicle claim statistics

What vehicles have the most claims? The following tables list the best and worst models for overall likelihood of having large claims.

Lowest and Highest Collision Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCab Maserati Granturismo
Jeep Wrangler Nissan GT-R
Ford F-150 SuperCrew BMW M6
Chevrolet Colorado Bently Continental GTC
GMC Canyon Audi RS7
Nissan Xterra Ferrari 458

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
Ford F-350 BMW M6
Volvo V60 Maserati Granturismo
Nissan Leaf BMW M6
Infiniti QX50 Maserati Quattroporte
Chevy Spark Bentley Continental GTC
GMC Sierra 2500 Bentley Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Acura MDX Chevrolet Cruze
Fiat 500 Chevrolet Impala
Chevrolet Corvette Kia Optima
Subaru Outback Chevrolet Sonic
Subaru Forester Kia Rio
Volvo XC60 Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Medical Payment Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Tesla Model S Hyundai Accent
Ford Expedition Mitsubishi Mirage
Ford F-250 SuperCrew Nissan Versa
Audi A4 Allroad Chrysler 200
Land Rover Range Rover Sport Dodge Charger
Chevrolet Silverado 3500 Chevrolet Sonic

Statistics from IIHS.org for 2013-2015 Model Years

Cheaper insurance is a realistic goal

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. In many cases, an insured dropped liability coverage limits only to find out that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

The cheapest insurance in Jamestown is available from both online companies in addition to local insurance agencies, so get free Jamestown car insurance quotes from both of them to have the best selection. Some insurance companies may not offer online rate quotes and most of the time these small, regional companies only sell coverage through local independent agents.

More detailed insurance information is available by following these links: