Farmers Insurance - Jason Jones

Understanding your auto coverage options may save you some green

Want to make sure you’re getting the auto insurance you want at a competitive rate? Contact me today — as a consumer it’s important to educate yourself about all of your coverage options. By asking me questions, you can make sure you have the coverage you want. You can also check on available discounts that may save you money.
To help consumers understand auto insurance and learn how they may be able to save some money, the Insurance Information Institute (I.I.I.) offers the following suggestions:

• Before buying a car, check out insurance costs — Some cars are more costly to insure than others so check with me before you buy your next vehicle. Some factors to consider include the likelihood of theft, the cost of the car, the cost of repairs, and the overall safety record of the car. Vehicles with high quality safety equipment may qualify for premium discounts.
• Consider increasing your deductible — By requesting a higher deductible — the portion you pay before your insurance coverage kicks in — you can typically lower your premium. For example, you may consider going from a $500 deductible to a $1,000 deductible. But before you do, make sure you have the funds set aside to cover your portion in case you have a claim.
• Consider reducing coverage on older vehicles — You may want to consider dropping collision and/or comprehensive coverages on older cars as it may no longer be cost effective. Auto dealers and banks can tell you the value of older cars or you can look it up online at Kelley Blue Book. Call me and we can review your coverage so you can make sure your insurance needs haven’t changed.

Save more green
If you have multiple coverages with Farmers, you may be eligible for a discount. For example, if you have auto and homeowners coverage through Farmers, you may qualify for a discount on both coverages. Let’s see if you qualify for a discount. Call me today.

Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary.