9 Tips to Save on Car Insurance in Cleveland

Are you tired of scraping the payment together each month for car insurance? You're in the same situation as the majority of other car owners in Ohio. Having so many different company options, it's difficult to choose the cheapest insurance company.

It's important to get comparison quotes before your policy renews since rates are constantly changing. Despite the fact that you may have had the best deal last year there may be better deals available now. So forget all the misinformation about car insurance because we're going to show you the only way to save on car insurance.

This article will let you in on how car insurance quotes work and some tips to save money. If you have car insurance now, you will be able to save some money using this information. Ohio vehicle owners just need to know the most effective way to compare rates over the internet.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but companies offer discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before being credited. If you don't get every credit available, you're just leaving money on the table.

Homeowners Pay Less - Owning a house in Cleveland can save you money due to the fact that maintaining a home requires personal responsibility.
Employee of Federal Government - Simply working for the federal government can save as much as 8% with select insurance companies.
Save with a New Car - Adding a new car to your policy can save up to 30% since new cars are generally safer.
Good Students Pay Less - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
Military Discounts - Being deployed with a military unit may qualify for rate reductions.
College Student - Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
Life Insurance Discount - Select insurance companies reward you with a break if you buy a life insurance policy as well.
Sign Online - Certain companies may give you up to $50 for buying a policy and signing up online.
One Accident Forgiven - Some insurance companies permit an accident without raising rates as long as you don't have any claims prior to the accident.

Drivers should understand that some credits don't apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, companies wouldn't make money that way. But all discounts will help reduce the amount you have to pay.

For a list of companies who offer car insurance discounts in Ohio, click here.

Cheap Cleveland Car Insurance Comparisons

Finding a better price on car insurance is not a difficult process. Consumers just need to spend a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

One of the best ways consumers can analyze rates is a comparison rater form click to view form in new window. This type of form keeps you from doing separate forms for every car insurance company. In just a few minutes this one form will get you rate comparisons from several companies.

A more time consuming way to shop for car insurance online requires you to visit each individual company website and fill out their own quote form. For instance, we'll assume you want rates from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in Cleveland, click here.

The most time-consuming way to get comparison rates is driving to insurance agents' offices. The ability to buy insurance online makes this process obsolete unless you prefer the personal advice of a local Cleveland agent. It is possible to compare online quotes but buy from a local insurance agent and we'll cover that in a bit.

Whichever method you choose, ensure you're using apples-to-apples coverage information for each comparison quote. If your comparisons have unequal deductibles or liability limits it will be next to impossible to determine the lowest rate in Cleveland.

And the best car insurance company is...

Budget-conscious car insurance can be bought both online in addition to many Cleveland insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not provide online quoting and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, don't be tempted to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at an affordable rate.