Bellaire Car Insurance For Less Than You're Paying Now

Beginners to shopping for insurance online could find finding cheap Bellaire car insurance is not as easy as it seems.

Buying affordable protection in Bellaire is simple if you know the tricks. If you have a current car insurance policy or need new coverage, you can follow these tips to find the best rates and still get good coverage. Ohio vehicle owners just need to know the tricks to get comparison rates over the internet.

Save big with these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically at the time of purchase, but some must be asked about prior to receiving the credit. If you're not getting every credit you qualify for, you're paying more than you need to.

Driver Safety - Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
Life Insurance - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Accident Forgiveness - Certain companies will forgive one accident before raising your premiums so long as you haven't had any claims for a particular time prior to the accident.
Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
Student in College - Kids in college who live away from home and do not have access to a covered vehicle may qualify for this discount.
New Car Discount - Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
Seat Belts Save - Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.

Consumers should know that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will bring down your overall premium however.

To see a list of insurers who offer car insurance discounts in Ohio, click here to view.

Automobile Insurance Quotes in Bellaire, OH

Finding cheaper car insurance prices isn't really that difficult. You just have to spend a little time to compare quotes online with multiple companies. This can be done using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for a different quote to each individual car insurance company. A single form gets rate comparisons . Recommended for those who want to invest the least amount of time.
Another way to get quotes online is spending the time to visit the website for every company you want to comare and fill out their own quote form. For instance, let's assume you want to compare , and . To find out each rate you need to go to every website and enter your policy data, which is why the first method is more popular. To view a list of companies in Bellaire, click here.
The least recommended method to get comparison rates is to drive around to different Bellaire agent offices. Shopping for car insurance online has reduced the need for local agents unless you require the personal advice only provided by licensed Bellaire agents. However, consumers can obtain prices from the web and still use a local agent and we'll talk about that later.

It's your choice how you get your quotes, but make absolute certain that you use identical information for every quote you compare. If you use higher or lower deductibles it's impossible to determine the best price in Bellaire.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know the different types of things that help determine your car insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

Policy add-ons can waste money - There are a ton of additional coverages that you can get tricked into buying on your policy. Coverages for roadside assistance, accidental death and additional equipment coverage may be costing you every month. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate them to save money.
Do you know you're credit rating? - A driver's credit history is a important factor in determining your rates. So if your credit rating is not that good, you could pay less to insure your by spending a little time repairing your credit. People with high credit scores tend to be more responsible as compared to drivers with lower credit scores.
Proper usage rating affects rates - Driving more miles each year the more you'll pay to insure your vehicle. Almost all companies rate vehicles based on how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your car insurance coverage shows the proper vehicle usage, because it can save money.
Do men or women drive better? - Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both tend to get into accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as reckless driving. Teenage male drivers are most likely to cause an accident and therefore have the most expensive car insurance rates.

But I don't know anything about car insurance

When choosing proper insurance coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's situation is a little different.

These are some specific questions might point out if your situation may require specific advice.

Do I really need UM/UIM coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the financial responsibility laws in Ohio?
Does my policy cover me when driving someone else's vehicle?
Why am I required to buy high-risk coverage?
Can I afford to buy a different vehicle if my vehicle is totaled?
Do I pay less if my vehicle is kept in my garage?

If you're not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Car insurance ads bend the truth

Consumers can't get away from ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the companies make an identical promise that you'll save big after switching your coverage to them.

How does each company make the same claim?

All the different companies have a certain "appetite" for the type of customer that is profitable for them. An example of a profitable customer could be over the age of 50, owns a home, and drives less than 10,000 miles a year. A customer who meets those qualifications is entitled to the best price and most likely will save when switching.

Potential customers who fall outside these standards must pay higher prices and ends up with business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save that much money. That is how companies can advertise the way they do.

This illustrates why drivers must get quotes from several different companies. Because you never know which company will provide you with the cheapest rates.

A tidy conclusion

Discount car insurance can be purchased from both online companies as well as from independent agents in Bellaire, and you should be comparing both so you have a total pricing picture. Some car insurance companies don't offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are a lot of situations where an insured cut liability limits or collision coverage only to find out that the savings was not a smart move. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.

We just showed you many tips how you can compare car insurance prices online. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the biggest savings come from some of the lesser-known companies.

For more Ohio car insurance information

Much more information about car insurance in Ohio is available on the Ohio Department of Insurance website located here. Consumers can discover disciplinary actions, find out industry alerts, and file complaints about an insurance agent or broker.