Free Guide to Saving Money on Gratis Car Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, there are lots of people in the same boat. Numerous battle for your business, so it can be very hard to choose a and get the definite lowest rate

If you have insurance now or are looking for a new policy, you will benefit by learning to get lower rates and still get good coverage. Buying car insurance in Gratis is quite easy. Ohio drivers only need an understanding of the best way to get comparison rates online.

Why some people pay less for insurance in Gratis

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Understanding what determines base rates allows you to make educated decisions that could result in lower car insurance prices.

  • High crash test scores lower rates - Cars with high safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and fewer injuries means lower claim amounts and lower rates for you.
  • Do you know your deductibles? - Your deductibles represent how much money you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The more expense you're willing to pay, the less your car insurance will be.
  • How's your driving record? - Whether or not you get tickets impacts your car insurance rates tremendously. Good drivers have lower premiums than bad drivers. Just one citation can increase rates forty percent or more. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Policy add-ons can waste money - There are many extra coverages that you can get tricked into buying on your policy. Coverages like roadside assistance, accidental death and motor club memberships are examples of these. They may seem good when you first buy your policy, but if you don't need them get rid of them and save.
  • Your credit rating is important - A driver's credit score is a important factor in calculating your car insurance rates. So if your credit rating is lower than you'd like, you could save money insuring your by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with poor credit.
  • Your occupation can affect rates - Did you know your job can affect your rates? Occupations such as real estate brokers, architects and accountants tend to pay higher rates than average because of job stress and lengthy work days. On the flip side, professions such as actors, athletes and homemakers have the lowest average rates.

car insurance in Gratis

How to Compare Car Insurance Quotes in Gratis, Ohio

Reducing your insurance rates is a fairly straight forward process. You just have to spend a little time comparing price quotes online with multiple companies. This is very easy and can be done in several different ways.

  1. The fastest way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate forms for every car insurance company. Filling out one form will return quotes from several companies.
  2. Another way to get quotes online is to take the time to go to the website for every company you want to comare to complete a price quote. For example, let's say you want to compare rates from , and . To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular. To view a list of companies in Gratis, click here.

Which method you use is up to you, but ensure you are comparing the exact same coverages and limits for every company. If you compare different deductibles it will be impossible to decipher which rate is best in Gratis.

Save big with these discounts

Insurance can be prohibitively expensive, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be asked for in order for you to get them. If they aren't giving you every credit possible, you are paying more than you should be.

  • Fewer Miles Equal More Savings - Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Homeowners Discount - Owning a home in Gratis may trigger a car insurance policy discount because owning a home demonstrates responsibility.
  • Passive Restraint Discount - Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Defensive Driver - Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Early Signing - Some insurance companies reward drivers for switching to them prior to your current policy expiration. This can save 10% or more.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • New Car Discount - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.

It's important to understand that most credits do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will cut your overall premium however.

To choose insurers offering car insurance discounts in Gratis, follow this link.

Car insurance ads bend the truth

Consumers can't ignore all the ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies say the same thing of big savings if you switch to them.

How do they all make the same claim?

All companies are able to cherry pick for the type of driver that makes them money. A good example of a profitable customer could be between the ages of 40 and 55, has no driving citations, and has great credit. A customer who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile must pay more money which usually ends up with business going elsewhere. The ads say "customers that switch" not "people who quote" save money. That's the way insurance companies can confidently advertise the savings.

This illustrates why you need to get as many comparisons as possible. Because you never know which car insurance company will give you the biggest savings.

Additional car insurance information can be read on the website for the Ohio Department of Insurance located here. Consumers can find disaster information, report car insurance fraud, file complaints about a company, and discover disciplinary actions.

And the best car insurance company is...

Low-cost car insurance is available from both online companies and with local Gratis insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We just showed you a lot of information how to compare car insurance prices online. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even find the lowest priced car insurance comes from a small local company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like .

As you prepare to switch companies, you should never reduce coverage to reduce premium. There are a lot of situations where someone sacrificed collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.