Lower Online Leesburg Auto Insurance Prices With These Techniques
Finding the lowest price for Leesburg auto insurance is challenging if you've never compared online rate quotes. But don't let that discourage you because we're going to show you how.
It's important to price shop coverage periodically since insurance rates are constantly changing. Even if you got the best rates last year you may be paying too much now. There is too much inaccurate information about auto insurance on the internet, so we're going to give you some great ways to slash your auto insurance rates.
How to Get Leesburg Auto Insurance Comparison Quotes
There are several ways of comparing rate quotes from different Leesburg insurance companies. The recommended way to compare insurance prices consists of shopping online. This can be accomplished in several different ways.
The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate quotation requests for each company. Just one form gets rate comparisons from auto insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
A less efficient way to compare rate quotes is spending the time to visit each company website and complete a new quote form. For instance, we'll pretend you want to compare , and . You would have to go to every website and enter your policy data, and that's why the first method is more popular.
To view a list of companies in Leesburg, click here.
Whichever way you use, be sure to compare identical information on every quote. If your comparisons have higher or lower deductibles it will be very difficult to make a fair comparison in Leesburg. Just a small difference in coverages may result in large price differences. Keep in mind that comparing more company's prices helps locate the best price.
Learn How to Buy Auto Insurance Cheaper
It's important that you understand some of the elements that help determine auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that can help you get better auto insurance rates.
The following are some of the items that factor into your rates.
- High performance equals high price - The type of vehicle you drive makes a significant difference in the rate you pay. The cheapest insurance rates are generally reserved for economy passenger vehicles, but other factors influence the final cost greatly.
- Traffic citations inflate rates - Even a single ticket may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to keep their license.
- Big city or small town - Living in a small town has it's advantages when buying auto insurance. City drivers have to deal with congested traffic and longer commutes to work. Lower population means reduced accidents and a lower car theft rate.
- Do men or women drive better? - Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Men and women tend to get into accidents at a similar rate, but men have costlier accidents. Men also get cited for more serious violations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
Take advantage of discounts
Companies offering auto insurance don't always publicize every available discount very clearly, so the following is a list of some of the best known and the harder-to-find auto insurance savings.
- Early Switch Discount - Select companies give a discount for signing up before your current policy expires. It's a savings of about 10%.
- Good Student - Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
- Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
- Senior Discount - Older drivers may be able to get a discount up to 10%.
- Drivers Education - Require your teen driver to take driver's ed class if it's offered in school.
- Payment Method - If you pay your bill all at once rather than paying monthly you could save 5% or more.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, auto insurance companies aren't that generous.
For a list of providers who offer auto insurance discounts in Ohio, follow this link.
How to know if you need help
When it comes to choosing coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique.
These are some specific questions may help highlight whether your personal situation could use an agent's help.
- Does my car insurance cover rental cars?
- Should I buy only the required Ohio minimum liability coverage?
- When does my teenage driver need to be added to my policy?
- Should I buy additional glass protection?
- Is my cargo covered for damage or theft?
- What can I do if my company won't pay a claim?
If you don't know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.
Even more information can be read at the Ohio Department of Insurance website. Ohio drivers can learn about specific coverages, file complaints about a company, and view agent and company licensing information.
In this article, we covered many ways to lower your auto insurance rates. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a smaller regional carrier.
When trying to cut insurance costs, it's very important that you do not reduce needed coverages to save money. There have been many cases where someone dropped collision coverage and discovered at claim time that it was a big mistake. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.
Consumers change insurance companies for any number of reasons including high prices, delays in paying claims, extreme rates for teen drivers and unfair underwriting practices. No matter why you want to switch, switching auto insurance companies is not as hard as you think.