Top Ways to Save on Fairport Harbor Auto Insurance
Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, many Fairport Harbor consumers feel financially strained by their auto insurance policy. Online insurance companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with ads and it is difficult to sift through the bull and take the time to shop coverage around.
It's important to compare rates every six months since insurance rates are constantly changing. If you had the best deal last year there may be better deals available now. Starting right now, block out anything you think you know about auto insurance because it's time to teach you the proper way to properly buy coverages and cut your premium.
Take advantage of discounts
The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but some must be asked for prior to getting the savings. If you aren't receiving every discount possible, you're just leaving money on the table.
- Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.
- Club Memberships - Affiliation with a civic or occupational organization is a good way to get lower rates on auto insurance.
- Drivers Ed for Students - Require your teen driver to complete a driver education course in high school.
- Federal Government Employee - Simply working for the federal government may qualify you for a discount with select insurance companies.
- No Charge for an Accident - A handful of insurance companies will allow you to have one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
- Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
As a disclaimer on discounts, most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.
For a list of companies with the best auto insurance discounts in Fairport Harbor, click here to view.
How to Compare Auto Insurance in Fairport Harbor, Ohio
Finding a better price on auto insurance can be relatively painless. Just invest a few minutes comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.
One of the best ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for separate forms to each individual auto insurance company. Filling out one form will return price quotes from several companies.
A harder way to compare rate quotes consists of visiting the website for each individual company and request a quote. For instance, let's assume you want to compare rates from , and . To find out each rate you need to go to every website to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Fairport Harbor, click here.
The least recommended method of comparing rate quotes is to drive around to and from local Fairport Harbor insurance agencies. Buying insurance online makes this process obsolete unless you have a need for the trained guidance only provided by licensed Fairport Harbor agents. However, consumers can compare online quotes and still use a local agent and we'll touch on that later.
It's your choice how you get your quotes, but ensure you are comparing exactly the same deductibles and coverage limits with every price quote. If your comparisons have different values for each quote it will be very difficult to find the best deal in Fairport Harbor.
And the best car insurance company is...
As you prepare to switch companies, it's not a good idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability limits or collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage for the lowest price.
Cheap auto insurance is possible on the web and also from your neighborhood Fairport Harbor agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide online quoting and most of the time these smaller companies sell through independent agents.