Car Insurance in Kettering Ohio – 9 Tricks to Lower Rates

Finding the most affordable Kettering car insurance over the internet is difficult for beginners to buying insurance online. With such a large number of online companies, how can consumers effectively compare the different rates to find the lowest rates?

If you have insurance now or are just looking to switch companies, you can follow these tips to get lower rates while maintaining coverages. The purpose of this post is to introduce you to the most effective way to quote insurance and some tips to save money. Ohio drivers just need to understand the most effective way to compare company rates online.

More discounts equal less premium

Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so we researched both the well known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Defensive Driving Course – Completing a driver safety course can save you 5% or more if your company offers it.
  • Memberships – Affiliation with a civic or occupational organization could trigger savings when buying car insurance.
  • Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.

It’s important to note that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of companies offering car insurance discounts in Kettering, click this link.

Additional reading for car insurance information

Even more information is located at the Ohio Department of Insurance website. Consumers can read industry bulletins, file complaints about an insurance agent or broker, and view a list of available companies.

Other related articles:

Car insurance coverage options

Understanding the coverages of your car insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.Kettering Ohio insurance comparisons

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your vehicle.

Since many Ohio drivers have only the minimum liability required by law (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.

Coverage for collisions

This coverage will pay to fix damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, sideswiping another vehicle, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hitting a bird, hail damage and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.


This coverage provides protection from damage that occurs to a person or their property. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like court costs, bail bonds and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford. Ohio state law requires minimum liability limits of 12,500/25,000/7,500 but it’s recommended drivers buy more liability than the minimum.

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Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like hospital visits, nursing services and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

And the best car insurance company is…

We just showed you a lot of information how to save on car insurance. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may even find the lowest priced car insurance comes from an unexpected company.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There are too many instances where an insured cut physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Consumers switch companies for many reasons like policy non-renewal, delays in responding to claim requests, policy cancellation and even high rates after DUI convictions. Regardless of your reason, switching companies can be less work than you think.