7 Ways You Can Buy Car Insurance for Less in Convoy Ohio

Are you tired of paying out the nose each month for car insurance? Your situation is no different than many other drivers in Ohio.

Consumers have many to buy insurance from, and although it's nice to have multiple companies, it can be more difficult to compare rates.

It's important to compare rates before your policy renews since rates are constantly changing. Just because you found the best rates two years ago you will most likely find a better rate today. There is a lot of bad information regarding car insurance online, so we're going to give you some great ways to put money back in your pocket.

Don't pay full price with these seven discounts

Auto insurance companies do not advertise every available discount very clearly, so the following is a list of both the well known and the harder-to-find car insurance savings.

  • Passive Restraints and Air Bags - Vehicles with factory air bags may earn rate discounts of 20% or more.
  • No Accidents - Claim-free drivers pay less compared to drivers who are more careless.
  • E-sign - A handful of insurance companies may give you up to $50 for buying your policy over the internet.
  • One Accident Forgiven - Certain companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you won't be that lucky.

Ohio car insurance

The car insurance bait and switch

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads say the same thing about savings after switching to their company. How does each company claim to save you money? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. A good example of a preferred risk might be between 25 and 40, is a homeowner, and chooses high deductibles. Any new insured who fits that profile will get very good rates and therefore will save when switching.

Consumers who don't measure up to these standards will be charged higher rates which usually ends up with the customer not buying. The ads say "drivers who switch" not "everyone that quotes" save that much. That's why companies can truthfully state the savings. That is why you should quote coverage with many companies. It's just too difficult to predict the company that will give you the biggest savings.

Learn more today

Even more information can be read at the Ohio Department of Insurance website. Visitors are able to find out industry alerts, read industry bulletins, get help finding coverage, and view agent and company licensing information.

Affordable insurance is out there

We just covered a lot of information how to reduce car insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the most savings is with a lesser-known regional company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .

Cheaper car insurance can be sourced both online and also from your neighborhood Convoy agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.