Finding better rates for Warren auto insurance can be a challenge for consumers not familiar with comparing rates online. Drivers have so many choices that it can easily become a real challenge to find the best price in Warren.
Consumers need to compare rates yearly because prices change quite often. Despite the fact that you may have had the lowest rates a couple years back there is a good chance you can find better rates now. There is a lot of bad advice regarding auto insurance on the internet, so I’m going to show you some of the best ways to buy auto insurance cheaper.
Compare Quotes for Warren Auto Insurance
All the larger auto insurance companies allow you to get prices on their websites. Getting quotes is fairly straightforward as you simply enter the coverages you want into the quote form. Once entered, their rating system will order your driving record and credit report and provides a quote based on many factors.
Quoting online makes comparing rates easy, but having to visit a lot of sites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to compare as many rates as possible in order to find the lowest possible prices on auto insurance.
An easier way to lower your auto insurance bill requires only one form to get prices from many companies. It’s a real time-saver, reduces the work, and makes quoting online much more enjoyable and efficient. Once the form is submitted, it is quoted with multiple companies and you can pick any of the quotes that you receive.
If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. It can be completed in less than 10 minutes and you’ll know if lower rates are available.
If you want to fill out one form to compare multiple rates now, click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you enter the insurance coverages identical to your current policy. Doing this assures you are getting a fair comparison for similar coverage.
Don’t miss out on these eight money-saving discounts
Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be inquired about before they will apply. If you don’t get every credit possible, you’re paying more than you need to.
- Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
- Student Driver Training – Require your teen driver to take driver’s ed class in school.
- Defensive Driver – Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
- Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accidents.
- No Claims – Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
- Save over 55 – If you qualify as a senior citizen, you can possibly qualify for reduced rates.
- Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
- Passive Restraint Discount – Factory air bags can qualify for discounts of more than 20%.
It’s important to note that some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will cut the cost of coverage.
To choose insurance companies who offer auto insurance discounts in Warren, click here to view.
Buying auto insurance from a local agent
Certain consumers would rather get advice from a local agent and there is nothing wrong with that. Good agents can help determine the best coverages and help submit paperwork. The best thing about comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent. Supporting local businesses is definitely important in Warren.
By using this quick form, your insurance coverage information is instantly submitted to participating agents in Warren who will compete for your business. There is no need to leave your computer since price quotes are sent straight to your inbox. How cool is that?!
Two different types of car insurance agents
When searching for a reliable agent, you need to know there are two types of agencies to choose from. Agencies in Warren are categorized either independent (non-captive) or captive. Both do a good job, but it’s worth mentioning the difference between them since it can impact the selection process.
Independent Agents
These agents are not employed by any specific company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, it’s recommended you include multiple independent agents to have the most options to choose from. They also have the ability to place coverage with smaller companies who may have lower rates.
Listed below is a short list of independent insurance agencies in Warren that may be able to provide pricing information.
- Insurance Center-Warren Agency – 2650 Weir Rd NE – Warren, OH 44483 – (330) 394-6444
- Insurance Systems Agency Inc – 187 High St NE – Warren, OH 44481 – (330) 399-6472
- Insurance Systems Agency Inc – 187 High St NE – Warren, OH 44481 – (330) 399-6472
- Acceptance Insurance Agency – 2031 Elm Rd NE – Warren, OH 44483 – (330) 369-6411
- Gibson De Good Insurance – 8799 E Market St – Warren, OH 44484 – (330) 856-1444
Captive Insurance Agents
Captive agents can only place business with one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to provide prices from multiple companies so always compare other rates. Captive agents are trained well in insurance sales which can be an advantage. Some consumers prefer to buy from captive agents mainly due to the brand legacy and the convenience of having a single billing for all their coverages.
Shown below is a short list of captive insurance agencies in Warren that can give you comparison quotes.
- American Family Insurance – 1016 Niles Cortland Rd NE – Warren, OH 44484 – (330) 856-6477
- State Farm Insurance – 1499 Boardman Canfield Rd – Warren, OH 44483 – (330) 392-3377
- Farmers Insurance Group – 177 Niles Cortland Rd SE – Warren, OH 44484 – (330) 856-7704
- Allstate Insurance Co – 5000 E Market St # 33 – Warren, OH 44484 – (330) 856-5900
For a complete listing of captive agencies in Warren, visit this site.
Selecting an insurance agency requires more thought than just the bottom line cost. Agents should be asked these questions:
- Are you getting all the discounts the company offers?
- Do they receive special compensation for putting your coverage with one company over another?
- Are claims handled at the agent’s location?
- Do they assist clients in filing claims?
- What insurance companies do they recommend if they are an independent agent?
- Will your rates increase after a single accident?
After receiving reasonable responses to these questions and a low price estimate, it’s possible that you found an insurance agency that will service your policy.
But I don’t know anything about car insurance
When buying proper insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.
Here are some questions about coverages that may help highlight whether you would benefit from professional advice.
- Do I qualify for additional discounts?
- Is my babysitter covered when using my vehicle?
- Do I get a pro-rated refund if I cancel my policy early?
- Am I covered when driving on a suspended license?
- Do I need higher deductibles?
- What vehicles should carry emergency assistance coverage?
- Do I have any recourse if my insurance company denies a claim?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.
Much more information about auto insurance in Ohio is located on the Ohio Department of Insurance website found here. Ohio consumers can file complaints about an insurance agent or broker, discover disciplinary actions, and read state legal mandates and laws.
More related Warren auto insurance information:
- Tightwads Guide to Saving on Warren Michigan Auto Insurance
- Learn to Get the Lowest Car Insurance Prices From the Best Insurance Agents in Warren
Auto insurance coverage considerations
Having a good grasp of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Comprehensive coverage
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as fire damage, damage from flooding, damage from getting keyed, vandalism and theft. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like chiropractic care, doctor visits, hospital visits and dental work. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible
Auto collision coverage
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as damaging your car on a curb, colliding with another moving vehicle, driving through your garage door, hitting a mailbox and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Coverage for liability
Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things such as loss of income, funeral expenses, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford. Ohio requires drivers to carry at least 12,500/25,000/7,500 but you should think about purchasing more liability than the minimum.
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your vehicle.
Because many people only carry the minimum required liability limits (Ohio limits are 12,500/25/7,500), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.
Smart shoppers get results
Consumers change insurance companies for a variety of reasons including poor customer service, not issuing a premium refund, an unsatisfactory settlement offer and lack of trust in their agent. Whatever your reason, switching auto insurance companies is actually quite simple.
You just read some good ideas how to compare auto insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the best price on auto insurance is with some of the lesser-known companies.
As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There have been many cases where someone sacrificed liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.