6 Discounts Clinton Consumers Forget when Comparing Car Insurance
Searching for low-cost Clinton car insurance online is intimidating for consumers not familiar with online price comaprisons. Since there are so many online companies available, how can you even start to compare every company to locate the best price?
It's important to compare prices on a regular basis since rates are constantly changing. If you had the best price a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you're about to find out one of the easiest ways to find great coverage at a great price.
Policy discounts you shouldn't miss
Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at the time you complete a quote, but a few need to be manually applied prior to getting the savings.
- Good Student Discount - Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
- Own a Home - Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
- Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
- Government Employees - Active or retired federal employment could cut as much as 10% off with certain companies.
- Life Insurance Discount - Companies who offer life insurance give better rates if you take out life insurance.
- Clubs and Organizations - Being a member of a civic or occupational organization may earn a discount on your policy.
A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.
Save $429 a year? Really?
Companies like State Farm and Allstate regularly use television and radio advertisements. All the ads have a common claim about savings if you move your coverage to them. How can each company claim to save you money?
Insurance companies have a preferred profile for the type of customer that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when they switch companies.
Potential customers who don't qualify for the requirements will be charged a more expensive rate and this can result in the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully advertise the way they do.
That is why drivers should get quotes from several different companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.
For more Ohio car insurance information
Additional information can be found on the Ohio Department of Insurance website through this link. Visitors are able to file complaints about a company, get help finding coverage, and download brochures.
The best insurance company isn't always the cheapest
We just covered a lot of ways to reduce car insurance prices online. The key concept to understand is the more you quote, the better your comparison will be. Consumers could even find that the lowest rates come from a company that doesn't do a lot of advertising.
Cheaper car insurance is possible both online as well as from independent agents in Clinton, and you should compare price quotes from both to have the best rate selection. Some car insurance companies don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
Drivers who switch companies do it for many reasons like poor customer service, an unsatisfactory settlement offer, extreme rates for teen drivers and even high rates after DUI convictions. No matter why you want to switch, finding the right car insurance provider is less work than it seems.