Lewis Center Car Insurance For Less Than You're Paying Now
Are you intimidated by the crazy number of car insurance company choices in Lewis Center? Many other drivers are as well. People have so many choices that it can turn into more work than you anticipated to find better rates.
Are you getting all your discounts?
Companies don't always advertise every discount in a way that's easy to find, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving.
- Payment Method - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
- Multiple Vehicles - Buying coverage for multiple vehicles on one policy qualifies for this discount.
- 55 and Retired - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
- Lower Rates for Military - Being deployed with a military unit may qualify for rate reductions.
- Discount for Good Grades - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
It's important to note that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you're out of luck.
How can State Farm, Allstate and GEICO save drivers who switch?
Car insurance providers like State Farm, Allstate and GEICO continually stream ads on television and other media. They all have a common claim that you can save after switching your coverage to them. How can each company make the same claim? This is how they do it.
All companies are able to cherry pick for the type of customer that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, has no driving citations, and has great credit. A customer that hits that "sweet spot" gets the lowest rates and as a result will probably save when they switch companies.
Consumers who are not a match for the requirements will be quoted higher prices and this can result in business going elsewhere. The ads say "drivers who switch" not "everybody who quotes" save that much money. That's the way insurance companies can advertise the savings. This emphasizes why you should get a wide range of price quotes. Because you never know which car insurance company will give you the biggest savings.
Learn more about Ohio car insurance
Additional detailed information can be found at the Ohio Department of Insurance website. Consumers can view a list of available companies, report car insurance fraud, and learn about insurance regulations.
The best insurance company isn't always the cheapest
Drivers change insurance companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, denial of a claim and even unfair underwriting practices. Regardless of your reason for switching companies, switching car insurance companies is less work than it seems.
Lower-priced car insurance can be bought from both online companies as well as from independent agents in Lewis Center, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.
As you prepare to switch companies, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.