How to Know You're Paying Too Much for Car Insurance in Copley

No one in their right mind likes having to buy car insurance, especially when their premiums are too high.

You have multiple to pick from, and although it's a good thing to have multiple companies, having more makes it harder to compare rates.

This information will familiarize you with the best way to quote coverages. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Nevertheless, Ohio car owners do need to know the way companies sell insurance online because it can help you find the best coverage.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but you may find discounts that you may not even be aware of. Certain discounts will be applied at the time of quoting, but less common discounts must be asked about before you will receive the discount.

  • Federal Employees - Active or retired federal employment could cut as much as 10% off with a few car insurance companies.
  • Early Signing - Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
  • Good Student - Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Multiple Policy Discount - If you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.

It's important to understand that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will bring down the cost of coverage.

Tailor your coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's situation is a little different so your insurance should reflect that For instance, these questions may help highlight whether you might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Does my car insurance cover rental cars?
  • Should I buy only the required Ohio minimum liability coverage?
  • What are the best liability limits?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?

If you're not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

How can Progressive, Allstate and GEICO save drivers who switch?

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on television and other media. They all make an identical promise of big savings if you switch to them. How does each company make the same claim?

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a driver they prefer could be between the ages of 30 and 50, a clean driving record, and drives less than 10,000 miles a year. A customer who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will be quoted more money and ends up with business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save money. That is how insurance companies can confidently advertise the way they do.

This emphasizes why you should get a wide range of price quotes. Because you never know which company will provide you with the cheapest rates.

Additional Ohio consumer information

Additional car insurance information is located on the website for the Ohio Department of Insurance located here. Consumers can download brochures, learn about specific coverages, file complaints about a company, and view agent and company licensing information.

Also read more on this site for car insurance rates in Ohio and this list of insurance agents in Copley.

Ohio car insurance

Affordable insurance is out there

We just showed you some good ideas how you can reduce car insurance prices online. The key thing to remember is the more price quotes you have, the better chance you'll have of finding lower rates. You may even discover the lowest rates come from some of the lesser-known companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as .

As you go through the steps to switch your coverage, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped liability coverage limits only to discover later that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.