9 Ways You Can Buy Car Insurance for Less in Clarksville
No one in their right mind likes paying for car insurance, particularly when the cost is way too high. Numerous battle for your business, and it can be difficult to compare rates to find the absolute lowest rate
It's important to check car insurance prices periodically since rates are constantly changing. Just because you found the best price last year the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to how to use online quotes to reduce your cost while improving coverage.
More discounts equal less premium
Companies that sell car insurance don't necessarily list all their discounts in an easy-to-find place, so we took the time to find both the well known as well as the least known car insurance savings. If they aren't giving you every credit you qualify for, you're paying more than you need to.
- Accident Forgiveness - A few companies will forgive one accident before raising your premiums as long as you don't have 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%. This discount can apply well after school through age 25.
- Sign Online - A handful of insurance companies may give you up to $50 just for signing your application on their website.
- Driver Safety - Taking part in a defensive driving course can save you 5% or more and easily recoup the cost of the course.
- Bundle and Save - When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
- Senior Citizens - Mature drivers may be able to get reduced rates.
- Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
- Drive Less and Save - Fewer annual miles can earn lower rates on the low mileage vehicles.
- Save with a New Car - Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
Keep in mind that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it just doesn't work that way.
To see a list of companies who offer car insurance discounts in Clarksville, follow this link.
Clarksville Car Insurance Comparisons
Most companies such as State Farm, GEICO and Progressive allow you to get prices for coverage on the web. Getting quotes is fairly straightforward as you just type in your personal and coverage information into the quote form. Once you submit the form, the system will obtain your driving and credit reports and returns a price. Online price quotes makes comparing rates easy, but having to visit different websites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to do this in order to find a lower rate.
The preferred way to compare rates is to use a quote form that gets price quotes from several different companies. It's a real time-saver, eliminates repetitive work, and makes quoting online a little more enjoyable. Immediately after submitting the form, it is rated and you can select any of the price quotes you receive. If a lower price is quoted, it's easy to complete the application and purchase coverage. The entire process takes 15 minutes at the most and may save quite a bit of money.
To find out how much you're overpaying now, click here and fill out the form. If you currently have coverage, we recommend you copy deductibles and limits as shown on your current policy. This makes sure you will receive an apples-to-apples comparison based on the exact same insurance coverage.
It's not one size fits all
When choosing the right insurance coverage for your vehicles, there is no "best" method to buy coverage. Everyone's situation is a little different and a cookie cutter policy won't apply. Here are some questions about coverages that may help highlight if you might need an agent's assistance.
- Does my policy cover me when driving someone else's vehicle?
- Do I need to file an SR-22 for a DUI in Ohio?
- Does my personal policy cover me when driving my company car?
- Should I rate my vehicle as pleasure use or commute?
- What are the best liability limits?
- Should I buy additional glass protection?
If you don't know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Switch companies and save? Really?
Consumers in Ohio can't get away from ads for cheaper car insurance by companies like State Farm, GEICO and Progressive. They all seem to say the same thing that you can save after switching to them.
How do they all claim to save you money?
All the different companies have a certain "appetite" for the type of driver that is profitable for them. For example, a desirable insured might be between the ages of 30 and 50, a clean driving record, and drives newer vehicles. Any new insured who fits that profile will get very good rates and therefore will cut their rates substantially.
Potential customers who do not match the "perfect" profile will have to pay a more expensive rate which usually ends up with the customer not buying. The ads say "customers that switch" not "everyone that quotes" save money. That is how insurance companies can claim big savings. Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.
A tidy conclusion
Affordable car insurance can be sourced both online and with local Clarksville insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
We just covered a lot of information how to compare car insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as .
When trying to cut insurance costs, you should never reduce coverage to reduce premium. In many cases, someone dropped physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to find the BEST coverage at a price you can afford.
Additional Ohio consumer information
Additional detailed information can be found at the Ohio Department of Insurance website. Visitors are able to learn about insurance regulations, file complaints about a company, get help finding coverage, and discover disciplinary actions.