How to Find Cheap Kettering Auto Insurance

Are you overwhelmed by the number of auto insurance company choices in Kettering? Many other drivers are as well. Drivers have so many choices that it can turn into more work than you anticipated to find the lowest price.

It's important to compare rates at least once a year since insurance rates are constantly changing. If you had the best deal last year you can probably find a lower rate today. Starting 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.

Ohio auto insurance

Compare the Market for Auto Insurance in Kettering

Most companies like State Farm and Allstate allow you to get prices directly from their websites. Getting online quotes is quite easy as you simply enter the coverage amounts you desire as detailed in the form. When the form is submitted, their system will obtain reports for credit and driving violations and generates a price based on these and other factors.

This simplifies rate comparisons, but the time required to go to several different sites and complete many quote forms is repetitive and time-consuming. But it's very important to have as many quotes as possible in order to find better auto insurance pricing.

A quicker way to find better auto insurance pricing requires only one form that analyzes rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much simpler. Immediately after submitting the form, it is rated and you are able to buy any one of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process only takes a few minutes and may save quite a bit of money.

To quickly find out what other companies charge, click here to open in new window and input your coverage information. If you have a policy now, it's recommended that you enter the coverages as shown on your current policy. This ensures you will receive rate comparison quotes for similar insurance coverage.

These discounts can lower your rates

Companies do not advertise every available discount very clearly, so here is a list some of the best known and the harder-to-find discounts you could be receiving.

  • Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Service Members Pay Less - Being deployed with a military unit can result in better rates.
  • Federal Government Employee - Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
  • New Vehicle Savings - Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.

Keep in mind that some credits don't apply the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think you could get a free auto insurance policy, it just doesn't work that way.

To see a list of providers with the best auto insurance discounts in Ohio, click here.

Additional detailed information is available at the Ohio Department of Insurance website. Ohio drivers can file complaints about a company, find disaster information, and download brochures.

Additional helpful sites include's Understanding your Policy and this directory of Kettering insurance agents.