Are you burned out from trying to scrape together enough money to pay car insurance each month? Your situation is no different than the majority of other people in Ohio. There is such a variety of auto insurance companies to choose from, and although it’s nice to be able to choose, it makes it harder to get the best deal.
It is always a good idea to do price comparisons every six months because prices change regularly. Just because you found the best quotes at your last renewal you may be paying too much now. There are lots of tips to save on car insurance on the internet, but I’m going to show you some great ways to slash your car insurance rates.
Find hidden discounts on Ohio car insurance
Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that many consumers don’t even know exist. Many discounts should be triggered when you complete an application, but once in a while a discount must be asked about before they will apply.
- Multi-Vehicle Discounts – Buying a policy with multiple cars or trucks on one policy can get a discount on all vehicles.
- Accident-Free Discounts – Insureds with no claims or accidents get the best car insurance rates when compared to insureds who have frequent claims or accidents.
- Service Members Pay Less – Being on active deployment in the military could qualify you for better premium rates.
- Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less than their less cautious counterparts.
- Pay Upfront and Save – If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
- Passenger Safety Discount – Options like air bags or automatic seat belts could see savings of up to 25% or more.
- Organization Discounts – Joining a qualifying organization is a good way to get lower rates on your policy.
Don’t be surprised that some credits don’t apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it’s just not the way it works.
To locate providers with discount rates in Ohio, click this link.
Tailor your car insurance coverage to you
When buying the best car insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique so this has to be addressed. For example, these questions can help discover whether or not you might need professional guidance.
- Should I have combined single limit or split liability limits?
- Does my policy cover me when driving someone else’s vehicle?
- Is my vehicle covered for flood damage?
- Can I afford low physical damage deductibles?
- Can I rate high risk drivers on liability-only vehicles?
- Does my personal auto insurance policy cover using my vehicle for business use?
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.
Is there truth in advertising?
State Farm and Allstate seem to constantly run ads on TV and radio. They all convey the message that you can save if you get a free and switch your coverage. Is it even possible that every company can offer drivers better rates? This is how they do it.
Most companies have a certain “appetite” for the right customer that will generate a profit. For example, a profitable risk profile might have to be over the age of 45, has other policies, and does not commute to work. Any customer who fits that profile will most likely get cheap auto insurance rates and is almost guaranteed to save when switching.
People who may not quite match those criteria must pay a more expensive rate and ends up with the prospect going elsewhere. The wording the ads use say “customers who switch” but not “everyone who gets a quote” save that much. That is how insurance companies can confidently make those statements. That is why drivers should get price quotes at each policy renewal. It is impossible to guess which company will be your best fit.
More detailed Ohio car insurance information is located at the Ohio Department of Insurance website. Visitors are able to read industry bulletins, find disaster information, read consumer alerts, and learn about specific coverages.
The articles below may also help you learn more about car insurance in Chillicothe
- Useful Tips for Finding a Chillicothe Insurance Agent
- 8 Guaranteed Tips to Reduce Car Insurance Costs in Chillicothe
The best insurance company isn’t always the cheapest
We just covered a lot of tips how to compare car insurance rates online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding . Consumers may even find the lowest priced car insurance comes from a small mutual company. They often have lower auto insurance rates on specific markets as compared to the big name companies such as Progressive or GEICO.
Some insurance companies may not offer online rate quotes and most of the time these small, regional companies prefer to sell through independent agents. Lower-priced car insurance can be purchased from both online companies and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates.