Finding lower rates for Mansfield car insurance can seem to be a challenge for consumers not familiar with buying insurance online. You have so many options that it can quickly become a lot of work to compare prices in Mansfield.
You need to do rate comparisons every six months because insurance rates are constantly changing. Despite the fact that you may have had the best price last year you can probably find a better price now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to one of the best ways to reduce your cost while improving coverage.
If you have insurance now or need a new policy, you can use these tips to reduce the price you pay while maximizing coverage. This information will instruct you on how car insurance quotes work and some tricks to saving. Ohio consumers only need an understanding of how to compare prices over the internet.
Comprehensive Car Insurance Comparison in Mansfield, Ohio
Finding lower car insurance rates is not a difficult process. Just spend a little time to compare rate quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.
The best way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This form saves time by eliminating repetitive form entry to each individual car insurance company. Filling out one form compares rates from all major companies. Recommended for those who want to invest the least amount of time.
A less efficient way to analyze rates is spending the time to visit the website of each company and request a quote. For instance, let’s say you want rates from State Farm, Progressive and Travelers. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is more popular.
For a handy list of car insurance company links in Mansfield, click here.
It doesn’t matter which method you choose, just compare exactly the same deductibles and coverage limits for each comparison quote. If you have mixed coverages it will be very difficult to make a fair comparison in Mansfield.
Advertising myths
Consumers constantly see and hear ads for the lowest price auto insurance by companies like State Farm and Allstate. They all seem to say the same thing of big savings if you change to them.
How do they all make the same claim?<img class="alignright" style="padding-top:15px" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-88.jpg" alt="Mansfield Ohio insurance quotes” />
All companies are able to cherry pick for the type of driver that is profitable for them. A good example of a desirable insured could possibly be between 25 and 40, has no tickets, and drives less than 7,500 miles a year. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save a lot of money.
Drivers who don’t meet the requirements will have to pay higher premiums which usually ends up with the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save that much. That’s the way companies can advertise the savings. Because of the profiling, it is so important to get quotes from several different companies. Because you never know which insurance companies will provide you with the cheapest rates.
How to Lower your Car Insurance Rates
An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.
Shown below are some of the factors car insurance companies consider when setting rates.
- Do you need the policy add-ons? – There are a ton of additional coverages you can purchase if you aren’t careful. Coverages like roadside assistance, better glass coverage and motor club memberships may be costing you every month. These coverages may sound good when you first buy your policy, but if you don’t need them get rid of them and save.
- Theft deterrents lower rates – Owning a car with an alarm system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
- Better credit means lower rates – A driver’s credit rating is a large factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower ratings. If your credit score can use some improvement, you could pay less to insure your by repairing your credit.
- Multi-policy discounts can save money – Many insurers will give a discount to insureds who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you may still want to comparison shop to make sure you are getting the best deal.
- Younger drivers pay higher rates – Teen drivers in Ohio tend to be less responsible when behind the wheel so car insurance rates are higher. Older insureds tend to be more responsible, file fewer claims and are safer drivers.
- Do men or women drive better? – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. They both cause accidents in similar numbers, but the men cause more damage. Men also statistically receive more costly citations such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
- Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for car insurance? Jobs such as doctors, business owners and financial analysts tend to pay higher average rates in part from high stress levels and long work hours. Conversely, jobs such as pilots, engineers and homemakers have the lowest average rates.
Cut your premium with discounts
Companies don’t list all available discounts in a way that’s easy to find, so we break down both well-publicized and the more hidden ways to save on car insurance. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Early Switch Discount – Select companies give a discount for switching policies before your current expiration date. It’s a savings of about 10%.
- Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts of 20% or more.
- 55 and Retired – Mature drivers may be able to get better car insurance rates.
- Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
- Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
- Federal Employees – Employees or retirees of the government can save as much as 8% with select insurance companies.
- Multiple Cars – Buying coverage for all your vehicles with the same company may reduce the rate for each vehicle.
A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.
What is the best insurance coverage?
When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
For instance, these questions might point out whether you could use an agent’s help.
- Do I pay less if my vehicle is kept in my garage?
- Is my dog or cat covered if injured in an accident?
- Am I covered by my spouse’s policy after a separation?
- Should I buy only the required Ohio minimum liability coverage?
- Which companies will insure high-risk drivers?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Why is insurance for a teen driver so high in Mansfield?
- Is my custom paint covered by insurance?
If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Affordable insurance is out there
As you restructure your insurance plan, never reduce needed coverages to save money. There have been many cases where someone dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.
In this article, we covered many ideas to compare car insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may even find the best price on car insurance is with an unexpected company.
People who switch companies do it for any number of reasons including delays in paying claims, poor customer service, not issuing a premium refund and high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new company can be less work than you think.
For more information
More tips and info about car insurance can be found at the Ohio Department of Insurance website. Visitors are able to learn about insurance regulations, read industry bulletins, and discover disciplinary actions.
More related Mansfield car insurance information: