Buy the Cheapest Fayette Car Insurance

Having to pay for overpriced car insurance can empty your personal savings and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances.

Big companies like GEICO and Progressive constantly bombard you with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to shop coverage around on a regular basis because rates are constantly changing. Just because you found the best rates on your last policy there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about car insurance on the internet, so I'm going to show you some great ways to reduce your car insurance bill.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Finding the best rates in Fayette is not that difficult. Although Ohio car owners do need to know how companies sell online.

Tips to Get Lower Fayette Rates

Consumers need to have an understanding of the different types of things that help determine your car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

The following are some of the items used by your company to calculate rates.

  • Proper usage rating affects rates - Driving more miles in a year's time the more you will pay for car insurance. Almost all companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your car insurance coverage is rated on the proper vehicle usage.
  • Pay less if you're married - Getting married can get you a discount on your policy. It translates into being more responsible and it's proven that married drivers get in fewer accidents.
  • High deductibles save money - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are a windshield shattered by a rock, vandalism, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend before your car insurance pays a claim. The more expense you have to pay, the bigger discount you will receive.
  • High numbers of claims are not good - If you file claims often, you can expect higher rates. Car insurance companies in Ohio award cheaper rates to insureds who do not file claims often. Insurance coverage is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
  • How's your driving record? - Drivers who don't get tickets have lower premiums compared to drivers with tickets. Even one moving violation can bump up the cost by as much as thirty percent. Drivers who have flagrant citations such as DUI or reckless driving may need to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Safe vehicles cost less to insure - Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders.

Ohio car insurance quotes

Which Car Insurance is Cheapest in Fayette, Ohio?

All major car insurance companies provide coverage price quotes on the web. The process is fairly simple as you just type in the coverages you want as detailed in the form. After the form is submitted, their rating system will obtain your driving and credit reports and generates pricing information based on these and other factors. Online quotes streamlines rate comparisons, but the time it takes to visit different websites and enter the same data into a form is not the best way to spend an afternoon. But it's very important to have as many quotes as possible if you want to find the best price on car insurance.

The preferred way to find lower prices utilizes a single form that obtains quotes from several different companies. The form is fast, eliminates repetitive work, and makes online shopping much more enjoyable and efficient. After sending your information, it gets priced and you can select your choice of the resulting price quotes. If a lower price is quoted, you simply finish the application and buy the policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

If you want to find out if lower rates are available, click here to open in new window and submit the form. If you have your current policy handy, we recommend you complete the form with the insurance coverages as close as possible to your current policy. This makes sure you will be getting an apples-to-apples comparison for the exact same coverage.

Are you getting all your discounts?

Companies don't always list all their discounts in a way that's easy to find, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

  • Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Sign Online - A handful of insurance companies will give a small break for buying your policy digitally online.
  • Own a Home - Owning a house in Fayette can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Government Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.
  • Passive Restraint Discount - Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Lower Rates for Military - Being on active duty in the military may qualify for rate reductions.
  • Claim Free - Drivers who don't have accidents pay less as compared to accident-prone drivers.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky.

To choose companies who offer car insurance discounts in Fayette, click here to view.

How can GEICO, State Farm and Progressive save drivers who switch?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on television and other media. They all seem to make an identical promise about savings after switching your coverage to them. How can each company make the same claim?

All the different companies have a preferred profile for the type of customer that makes them money. A good example of a desirable insured could be between 25 and 40, insures multiple vehicles, and has great credit. A customer who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will have to pay a more expensive rate and ends up with business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save that much money. This is how companies can truthfully advertise the savings. Because of the profiling, you need to compare many company's rates. Because you never know which insurance companies will fit your personal profile best.

Even more information can be read at the Ohio Department of Insurance website. Consumers can file complaints about an insurance agent or broker, get help finding coverage, report car insurance fraud, and download brochures.

Shop smart and save

When you buy insurance online, it's a bad idea to reduce coverage to reduce premium. In many instances, drivers have reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

The cheapest car insurance can be sourced from both online companies as well as from independent agents in Fayette, so you should compare both to have the best rate selection. There are still a few companies who don't offer online price quotes and most of the time these small insurance companies sell through independent agents.