Getting Cheap Greenfield Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, you're not the only one. There are many to pick from, and even though it's nice to have a choice, it makes it harder to compare rates.

Shopping for affordable protection in Greenfield is easy if you know what you're doing. If you have a current auto insurance policy or need new coverage, you can use these techniques to get lower rates and possibly find even better coverage. Ohio consumers only need to know the most effective way to buy auto insurance over the internet.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but a few must be asked for before you will receive the discount. If you're not getting every credit possible, you're just leaving money on the table.

  • Accident Free - Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • No Charge for an Accident - Certain companies allow you one accident without raising rates if your claims history is clear for a certain period of time.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Homeowners Discount - Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Discount for Good Grades - Getting good grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Save over 55 - Older drivers may be able to get reduced rates.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

For a list of insurance companies who offer auto insurance discounts in Ohio, follow this link.

How to Compare Auto Insurance Quotes in Greenfield, Ohio

Most major insurance companies like Progressive, Allstate and GEICO provide prices for coverage directly from their websites. This process is fairly straightforward as you simply type in the coverages you want as detailed in the form. Once entered, the company's rating system will obtain reports for credit and driving violations and returns a price. This makes comparing rates easy, but having to visit multiple sites and complete many quote forms can be a bit repetitive. But it's very important to do this if you want to find the best price on auto insurance.

Quote rates the easy way

A more efficient way to lower your rates uses one form to obtain quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. Immediately after submitting the form, it gets priced and you can select any one of the quotes that you receive.

If you find a better price it's easy to complete the application and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and input your coverage information. If you have coverage now, it's recommended that you enter the limits and deductibles as close as possible to your current policy. This helps ensure you will have a rate comparison based on identical coverages.

A tidy conclusion

The cheapest auto insurance can be sourced online and with local Greenfield insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not offer online quoting and these small, regional companies work with independent agents.

When trying to cut insurance costs, make sure you don't sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed collision coverage and learned later that it was a big mistake. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.