Tightwads Guide for Saving on Chesterland Auto Insurance

Expensive auto insurance can overdraw your savings account and put a big crunch on your finances. Shopping your coverage around is a smart way to help make ends meet. Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

auto insurance in Chesterland

How to Get Cheap Auto Insurance in Chesterland, OH

Most companies allow you to get price estimates online. This process is quite simple as you just enter your required coverages into the quote form. When the form is submitted, the system will obtain reports for credit and driving violations and generates a price. Online quotes streamlines rate comparisons, but the time required to go to a lot of sites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to do this in order to find a lower rate.

There is a better way!

A quicker way to compare auto insurance pricing uses one form that gets prices from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes online quotes much simpler. Immediately after submitting the form, it is rated and you can select your choice of the quotes returned.

If a lower price is quoted, you can simply submit the application and buy the policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To find out how much you're overpaying now, click here and submit your coverage information. If you have coverage now, it's recommended you replicate deductibles and limits exactly as shown on your declarations page. This ensures you will have a fair comparison for similar insurance coverage.

More discounts equal less premium

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but a few must be asked for before you will receive the discount. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Driver Safety - Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Discount for Life Insurance - Some companies give better rates if you take out a life insurance policy as well.
  • Own a Home - Owning a home in Chesterland may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Payment Method - If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Paperless Signup - Certain companies may give you up to $50 just for signing your application digitally online.

It's important to note that most credits do not apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, you're out of luck. But any discount will reduce your premiums.

To see a list of insurers who offer auto insurance discounts in Chesterland, follow this link.

It's not one size fits all

When choosing the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • What are the financial responsibility laws in Ohio?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company won't pay a claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I buy additional glass protection?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

More information is located on the website for the Ohio Department of Insurance located here. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, get help finding coverage, and view a list of available companies.