Easy Methods to Cut Costs on Laings Auto Insurance

Are you intimidated by the sheer number of auto insurance choices in Laings? You're not the only one! You have so many companies to choose from that it can turn into more work than you anticipated to find the best price.

Save big with these discounts

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit. If you're not getting every credit possible, you are throwing money away.

  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Multiple Vehicles - Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Distant Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Senior Discount - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Federal Government Employee - Active or retired federal employment may qualify you for a discount with a few auto insurance companies.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

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Auto insurance ads bend the truth

Ohio drivers get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and GEICO. They all say the same thing about savings after switching to them.

How does each company say the same thing?

All the different companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 30 and 50, has no driving citations, and has a short commute. A propective insured who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential customers who fall outside these standards will be quoted higher prices which usually ends up with business not being written. The ad wording is "customers that switch" not "people who quote" save money. That's the way companies can truthfully make the claims of big savings.

This emphasizes why you should quote coverage with many companies. It's not possible to predict which auto insurance company will fit your personal profile best.

Learn more about Ohio auto insurance

Additional information can be found on the Ohio Department of Insurance website located here. Ohio drivers can view a list of available companies, report car insurance fraud, and read enforcement actions against agents and companies.

In the end, you save

Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, not issuing a premium refund and even denial of a claim. Whatever your reason, choosing a new insurance company is less work than it seems.

Cheap auto insurance can be bought on the web and with local Laings insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

As you shop your coverage around, it's very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.