5 Money Saving Ideas Proven to Slash the Cost of Car Insurance Costs in Alexandria

If you're new to shopping for car insurance online, it's easy to get confused because of the huge number of car insurance companies all offering big savings in Alexandria.

It's important to compare rates periodically since rates are constantly changing. If you had the best deal last year you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the proper way to properly buy coverages and cut your premium.

If you have car insurance now, you should be able to save some money using these methods. Buying affordable car insurance coverage in Alexandria is simple if you know the tricks. Nevertheless, Ohio consumers do need to know the way insurance companies market on the web and take advantage of how the system works.

Save big with these 5 discounts

Companies that sell car insurance don't necessarily list all their discounts in an easy-to-find place, so here is a list both the well known and the more hidden ways to save on car insurance.

  • Save with a New Car - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Air Bag Discount - Factory air bags or motorized seat belts can get savings of up to 25% or more.
  • No Accidents - Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy could earn a price break for each car.
  • Auto/Life Discount - Larger companies have lower rates if you buy a life insurance policy as well.

It's important to understand that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, it doesn't quite work that way.

Alexandria car insurance comparison

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there is no "best" method to buy coverage. Each situation is unique.

These are some specific questions may help highlight if your situation would benefit from professional advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form.

Car insurance ads bend the truth

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all seem to make the same claim of big savings if you move to their company. How do they all claim to save you money?

All companies have a certain "appetite" for the driver that earns them a profit. An example of a desirable insured might be a mature driver, a clean driving record, and has great credit. Any new insured who matches those parameters will get very good rates and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will have to pay higher rates which leads to the customer not buying. The ads say "people who switch" not "people who quote" save that much. That is how insurance companies can confidently advertise the savings. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

Additional Ohio consumer information

More tips and info about car insurance is available at the Ohio Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, find out industry alerts, and read industry bulletins.

Ohio car insurance

Shop smart and save

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at an affordable rate.

We just covered many ideas to reduce car insurance prices online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a company that doesn't do a lot of advertising.

Insureds who switch companies do it for many reasons like not issuing a premium refund, poor customer service, high rates after DUI convictions and even lack of trust in their agent. Whatever your reason, finding the right car insurance provider is less work than it seems.