Do you think you bought an expensive auto insurance policy? You’re in good company because there are many Brunswick consumers feeling the pinch from expensive auto insurance. Having so many companies and agents to choose from, it’s difficult to pick the most affordable company.
It’s important to do price comparisons quite often because auto insurance prices are adjusted regularly by insurance companies. Just because you found the lowest price a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to find out one of the best ways to lower your rates without sacrificing coverage.
How to compare Brunswick auto insurance rate quotes
Most major insurance companies like Progressive, GEICO, Allstate and State Farm allow consumers to get coverage price quotes directly from their websites. Getting online quotes is possible for anyone because you just enter your required coverages on the page. When complete, the quote system sends out for your driving and credit reports and quotes a price based on many factors. Quoting online makes it easy to compare insurance prices but having to visit multiple sites and type in the same information is repetitive and time-consuming. But it’s necessary to have as many quotes as possible if you want to get the lowest auto insurance rates.
There is a better way!
The quickest way to compare auto insurance pricing requires only one form that gets prices from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes price shopping online much simpler. Once the form is submitted, it is rated and you can select any or none of the quote results.
If the quotes result in lower rates, you can click and sign and buy the new coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.
To quickly compare pricing, click here to open in a new tab and submit the form. If you have coverage now, it’s recommended you complete the form with the coverage information identical to your current policy. This makes sure you will be getting comparison quotes based on similar coverages.
Cheaper rates with these six auto insurance discounts
Some providers do not list every policy discount very clearly, so we took the time to find some of the more common as well as the least known discounts you could be receiving when you . If they aren’t giving you every credit you deserve, you are just wasting money.
- Fewer Miles Equal More Savings – Driving less may allow you to get discounted prices on garaged vehicles.
- Paper-free Discount – Some of the larger companies provide a small discount for buying a policy and signing up digitally online.
- Discount for Home Ownership – Owning your own home or condo can earn you a little savings because maintaining a house is proof that your finances are in order.
- Safe Driver Discount – Drivers without accidents can save up to 40% or more on their compared to rates paid by drivers with frequent claims.
- Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10%.
- Braking Control Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions so companies give up to a 10% discount.
As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride.
A few popular companies and a selection of discounts are outlined below.
- Progressive may include discounts for multi-vehicle, good student, multi-policy, online quote discount, continuous coverage, and online signing.
- MetLife discounts include good driver, claim-free, defensive driver, multi-policy, and accident-free.
- Mercury Insurance has discounts for annual mileage, accident-free, anti-theft, good driver, type of vehicle, and location of vehicle.
- Nationwide includes discounts for business or organization, Farm Bureau membership, accident-free, family plan, anti-theft, defensive driving, and good student.
- GEICO offers discounts for good student, emergency military deployment, military active duty, seat belt use, multi-vehicle, and daytime running lights.
- AAA offers discounts including multi-car, good driver, multi-policy, education and occupation, anti-theft, and AAA membership discount.
It’s a good idea to ask all the companies which discounts can lower your rates. Some discounts may not apply to policies in your area. To locate insurers with discount auto insurance rates in Ohio, click this link.
Insurance agents can help
When it comes to choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions could help you determine if your insurance needs would benefit from an agent’s advice.
- Does my policy cover my teen driver if they drive my company car?
- Will I lose any money if I cancel my policy before it expires?
- Should I buy more coverage than the required Ohio minimum liability coverage?
- Will my rates increase for filing one claim?
- Is my babysitter covered when using my vehicle?
- What is the minimum liability in Ohio?
- How much underlying liability do I need for an umbrella policy?
If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Auto insurance coverage specifics
Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average auto insurance policy.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance pay for bills such as rehabilitation expenses, X-ray expenses and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverage protection
Collision coverage pays for damage to your vehicle resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as damaging your car on a curb, colliding with a tree, crashing into a ditch, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.
Liability insurance protects you from damages or injuries you inflict on people or other property. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things like pain and suffering, medical services, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible. Ohio state law requires minimum liability limits of 12,500/25,000/7,500 but drivers should carry more liability than the minimum.
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hitting a bird, vandalism, a tree branch falling on your vehicle, damage from a tornado or hurricane and fire damage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your vehicle.
Due to the fact that many Ohio drivers only purchase the least amount of liability that is required (Ohio limits are 12,500/25/7,500), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Much more information about auto insurance in Ohio can be read on the found here. Ohio drivers can read industry bulletins, find disaster information, file complaints about a company, and discover disciplinary actions.
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