Have you had enough of not being able to afford each month for car insurance? Your situation is no different than most other car owners in Ohio. Because you have many choices, it is very difficult to find the right insurance company.
Choosing the best insurance company for you in Fairfield is easy if you know what you’re doing. If you have a policy now or need a new policy, you can learn to reduce the price you pay and possibly find even better coverage. Ohio drivers just need to learn the tricks to find the lowest price on the web.
Compare Fairfield Car Insurance Costs
Effectively comparing car insurance prices can be exhausting if you don’t utilize the best way to get rate quotes. You can waste a lot of time driving to insurance agencies in Fairfield, or you could use online quoting to get the quickest rates.
All the larger companies belong to an insurance system where prospective buyers submit their information once, and every company returns a competitive quote based on that information. This system prevents you from having to do form submissions for each company you want a rate for.
To fill out one form to compare multiple rates now click here (opens in new window).
One minor caviat to doing it this way is that you can’t choose the providers to receive prices from. If you prefer to choose specific providers to receive pricing from, we put together a list of car insurance companies in Ohio. Click here to view list.
Whichever method you choose, make absolute certain that you use apples-to-apples coverage information on every quote you get. If you compare higher or lower deductibles it’s not possible to determine the best price in Fairfield.
Ads can be misleading
Ohio drivers get pounded daily by advertisements that promise big savings from companies such as Progressive, Allstate and Geico. All the ads make the same claim of big savings if you change your policy.
How can each company say the same thing?
Different companies are able to cherry pick for the right customer that earns them a profit. For example, a preferred risk could be over the age of 40, is a homeowner, and chooses high deductibles. Any new insured who matches those parameters gets the lowest rates and therefore will save when switching.
Drivers who do not match the requirements will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save that much money. That’s the way companies can truthfully claim big savings. Because of the profiling, it is so important to compare as many rates as you can. It’s just too difficult to predict which car insurance company will have the lowest rates.
Do you qualify for a discount?
Auto insurance companies don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known car insurance savings. If you aren’t receiving every discount possible, you are paying more than you should be.
- Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
- Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
- Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
- Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
- Club Memberships – Participating in a professional or civic organization could trigger savings on your policy.
- Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.
To see a list of insurers with the best car insurance discounts in Ohio, click here to view.
More detailed Ohio car insurance information can be found at the Ohio Department of Insurance website. Visitors are able to view agent and company licensing information, report car insurance fraud, and view a list of available companies.
Other related articles:
- Auto Insurance in Fairfield Ohio 8 Discounts Drivers are Missing
- Professional Methods to Cheaper Fairfield, CT Auto Insurance
Better coverage you can count on
Lower-priced car insurance is available online in addition to many Fairfield insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.
While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.