Are you overwhelmed by the sheer number of auto insurance choices in Columbus? Lot’s of other consumers are too. Consumers have so many choices that it can be more work than you anticipated to find the perfect company for you.
You should make it a habit to do rate comparisons before your policy renews because rates are adjusted regularly by insurance companies. Even if you think you had the best rates on your last policy you can probably find a better price now. Block out anything you think you know about auto insurance because we’re going to demonstrate the fastest way to eliminate unnecessary coverages and save money.
Compare Quotes for Columbus Auto Insurance
Shopping for lower auto insurance rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) driving to agents in Columbus, or you could use the web to maximize your effort.
Many of the larger companies enroll in a system that enables customers to enter their coverage request one time, and at least one company then gives them pricing based on that data. This system prevents you from having to do form submissions to each company.
To access this free quoting program, click here to open in new window.
The one disadvantage to getting quotes like this is you cannot specify which companies to get quotes from. So if you prefer to pick specific insurance companies to request quotes from, we have assembled a list of the cheapest auto insurance companies in Montana. Click to view list.
Which method you use is up to you, but double check that you are using the exact same information on every quote. If your comparisons have differing limits it’s not possible to decipher which rate is best in Columbus.
Are you getting all your discounts?
Auto insurance companies do not list every available discount in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known auto insurance savings. If they aren’t giving you every credit you qualify for, you are throwing money away.
- Military Rewards – Being deployed with a military unit could mean lower rates.
- Multiple Cars – Having all your vehicles with the same company could earn a price break for each car.
- New Vehicle Savings – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
- Club Memberships – Being a member of a civic or occupational organization could qualify you for a break on auto insurance.
- Driver’s Ed – Have your child enroll in driver’s education if offered at their school.
- Accident Forgiveness – A few companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
- Federal Government Employee – Employees or retirees of the government could cut as much as 10% off with a few auto insurance companies.
As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.
When might I need an agent?
When it comes to buying coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.
Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.
- Do I really need UM/UIM coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
- Is my custom paint covered by insurance?
- Do I need medical payments coverage since I have good health insurance?
- Do I have coverage when making deliveries for my home business?
- Am I covered when pulling a rental trailer?
- When would I need rental car insurance?
- Is my vehicle covered for flood damage?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.
Even more information is available at the Montana Commissioner of Securities and Insurance website. Visitors are able to file complaints about an insurance agent or broker, get help finding coverage, learn about insurance regulations, and view a list of available companies.
The following information may also be useful.