5 Tips to Save on Car Insurance in Hubbard Ohio

Saving money on Hubbard car insurance is difficult for beginners to comparing rates online. People have so many companies to choose from that it can easily become a big hassle to find the best price in Hubbard.

Save big with these 5 discounts

Companies offering auto insurance don't list every discount very clearly, so we took the time to find both the well known and also the lesser-known discounts you could be receiving. If you're not getting every credit available, you're paying more than you need to.

  • Drivers Education - Have your child successfully complete driver's ed class if it's offered in school.
  • Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Distant Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance.
  • Driver Safety - Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, some credits don't apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, car insurance companies aren't that generous.

To see a list of insurance companies who offer car insurance discounts in Ohio, click here.

compare Hubbard car insurance rates

Compare Hubbard Car Insurance Costs

Finding cheaper car insurance prices is surprisingly easy. You just have to spend a few minutes to compare rate quotes online from several insurance companies. This can be done in several different ways.

  • The best way to find low rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do boring form submissions for each company you want a rate for. In just a few minutes this one form will get you rate comparisons from all major companies. It's definitely the quickest method.
  • A more time consuming way to get quotes online requires you to visit the website of each company to request a price quote. For example, we'll pretend you want rates from , and . To get each rate you have to visit each site and enter your policy data, which is why the first method is quicker.

    To view a list of companies in Hubbard, click here.

Whichever method you choose, ensure you're using identical coverage information for each price quote. If you compare unequal deductibles or liability limits you can't possibly truly determine the lowest rate in Hubbard.

Car insurance ads bend the truth

Consumers in Ohio can't get away from ads for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. They all have a common claim about savings after switching your coverage to them.

How does each company claim to save you money? It's all in the numbers.

Insurance companies can use profiling for the type of customer that is profitable for them. For example, a driver they prefer might be between 30 and 50, is a homeowner, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when switching.

Drivers who fall outside these standards will be quoted higher premiums and this can result in the customer not buying. The ads say "customers who switch" not "people who quote" save that much money. That's why companies can truthfully state the savings. This emphasizes why drivers must get as many quotes as possible. It's just too difficult to predict the company that will have the lowest rates.

And the best car insurance company is...

Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, not issuing a premium refund or delays in paying claims. Whatever your reason, finding a new car insurance company is actually quite simple.

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. There have been many situations where an accident victim reduced physical damage coverage only to discover later that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

Cheap car insurance can be bought both online as well as from independent agents in Hubbard, so compare prices from both to have the best chance of lowering rates. Some insurance companies don't offer the ability to get a quote online and these regional insurance providers work with independent agents.

Learn more today

Even more information can be found at the Ohio Department of Insurance website. Visitors are able to download brochures, read industry bulletins, and read enforcement actions against agents and companies.

Additional helpful sites include this site for car insurance rates in Ohio and this list of insurance agents in Hubbard, OH.