Andover Auto Insurance For Less Than You're Paying Now

Finding better rates for Andover auto insurance is challenging for consumers not familiar with comparing rates online. People have so many choices that it can be a lot of work to find the best price in Andover.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

Shown below are a few of the "ingredients" used by your company to calculate prices.

  • Always keep insurance in force - Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • Do you work long hours in a high stress job? - Careers like lawyers, executives and dentists have the highest average rates in part from high stress levels and lengthy work days. Other jobs such as farmers, historians and retirees get better rates.
  • Liability coverage protects you - Your policy's liability coverage will protect you when a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • An active claims history can cost you - Companies in Ohio give cheaper rates to insureds who do not file claims often. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Discounts for married couples - Having a spouse helps lower the price on your auto insurance policy. Having a significant other translates into being more responsible it has been statistically shown that drivers who are married are more cautious.
  • Drive less and save money - The higher the mileage driven every year the higher your rate. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Autos left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance declarations sheet is rated on the correct usage for each vehicle.
  • Big city or small town - Being located in a rural area can save you money when buying auto insurance. Lower population means a lower chance of having an accident. Drivers who live in large Ohio cities tend to have traffic congestion and longer commute times. Longer commute distances translates into higher accident risk.
  • Better crash test results mean better rates - Cars with high safety ratings tend to have better insurance rates. The safest vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.

How to Compare Andover Auto Insurance Rates

All major auto insurance companies provide price estimates online. Getting online quotes is quite simple as you simply type in into the quote form. After the form is submitted, their system will obtain your credit score and driving record and provides a quote based on many factors.

Online quotes streamlines rate comparisons, but the work required to visit several different sites and fill out multiple forms is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

The preferred way to lower your auto insurance bill requires only one form to obtain quotes from multiple companies. It's a real time-saver, reduces the work, and makes rate comparisons much easier. Once the form is submitted, it gets priced with multiple companies and you can pick your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process takes less than 15 minutes and you'll know if lower rates are available.

To quickly find out how much you're overpaying now, click here and submit your coverage information. To compare your current rates, we recommend you enter the coverage information identical to your current policy. This makes sure you will have rate comparison quotes for the exact same coverage.

More discounts equal less premium

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not know about. Most are applied at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit.

  • Seat Belts Save more than Lives - Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Claim Free - Claim-free drivers can save substantially when compared to accident-prone drivers.
  • Organization Discounts - Affiliation with a civic or occupational organization could trigger savings when shopping for auto insurance.
  • Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.
  • Multiple Cars - Having all your vehicles with the same company qualifies for this discount.
  • Auto/Life Discount - Companies who offer life insurance give better rates if you take out a life insurance policy as well.

As a disclaimer on discounts, most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like it's possible to get free car insurance, auto insurance companies aren't that generous. Any amount of discount will reduce your premiums.

To choose insurance companies with discount auto insurance rates in Andover, click this link.

Switch companies and save? Really?

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads in print and on television. They all make the same claim about savings if you change your coverage to them. How can each company say the same thing? This is how they do it.

All companies can use profiling for the type of customer that makes them money. For example, a driver they prefer might be profiled as over the age of 40, is a homeowner, and has a high credit rating. A propective insured who matches those parameters gets the lowest rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will be quoted higher prices which leads to business not being written. Company advertisements say "drivers who switch" not "everyone that quotes" save that much money. That's why companies can truthfully state the savings.

This emphasizes why you need to compare as many rates as you can. It's not possible to predict the company that will have the lowest rates.

Additional information can be found on the Ohio Department of Insurance website. Click here for link. Ohio drivers can find a variety of consumer forms, read industry bulletins, and find out which companies have the most complaints.

Final considerations

Insureds leave their current company for any number of reasons including being labeled a high risk driver, high rates after DUI convictions, questionable increases in premium or even extreme rates for teen drivers. It doesn't matter why you want to switch switching auto insurance companies is easier than you think.

Cheap auto insurance can be sourced on the web as well as from independent agents in Andover, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don't offer online price quotes and these regional insurance providers work with independent agents.

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that they should have had better coverage. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.