Easy Ways to Save Money on Lodi Auto Insurance

If price shopping auto insurance online is new to you, it's easy to get confused by the vast number of auto insurance companies offering insurance in Lodi.

It's important to price shop coverage occasionally because prices are constantly changing. Just because you had the lowest price on your last policy you may be paying too much now. You can find a lot of wrong information about auto insurance on the internet, so I'm going to show you some great ways to slash your auto insurance rates.

Lodi Auto Insurance Quote Comparison

Most major insurance companies such as Progressive, GEICO, Allstate and State Farm allow you to get coverage price quotes directly from their websites. This process doesn't take a lot of time as you just type in your coverage preferences as detailed in the form. Behind the scenes, the company's rating system will obtain your credit score and driving record and generates pricing information based on many factors.

Online price quotes makes it a lot easier to compare rates but the time it takes to visit different websites and enter the same data into a form can get tiresome after awhile. But it's very important to compare as many rates as possible in order to find the best price on auto insurance.

There is a better way!

A less time-consuming method to get multiple rate quotes uses one form that gets price quotes from multiple companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable and efficient. After sending your information, it is rated and you can choose any of the returned quotes. If you find a better price you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and fill out the form. If you have coverage now, it's recommended you duplicate exactly as shown on your declarations page. This way, you will get a price comparison based on similar coverages.

Lodi auto insurance comparison

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the different types of things that go into determining the price you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that may reward you with better auto insurance rates.

  • Older drivers save more - Older drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets. Teen drivers are statistically proven to be less responsible behind the wheel therefore auto insurance rates are much higher.
  • Better credit scores mean better rates - Credit score is a big factor in determining your rates. If your credit history is lower than you'd like, you could be paying less to insure your by repairing your credit. Consumers who have good credit tend to be less risk to insure than those with poor credit.
  • Careful drivers pay lower rates - Just one citation may increase your cost by twenty percent. Drivers with clean records get better rates than bad drivers. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state DMV in order to continue driving.
  • Safe vehicles cost less to insure - Safer cars can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you.

Are you getting all your discounts?

Car insurance companies don't necessarily list all their discounts in an easy-to-find place, so we researched both well-publicized and also the lesser-known savings tricks you should be using.

  • College Student - Kids in college who are attending college and do not have a car can be insured at a reduced rate.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Passive Restraints - Factory air bags or motorized seat belts can get savings up to 30%.
  • Drive Less and Save - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Club Memberships - Participating in certain professional organizations is a good way to get lower rates on auto insurance.

It's important to note that most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you're out of luck.

For a list of companies offering auto insurance discounts in Lodi, click here to view.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else's.

For instance, these questions might point out whether you will benefit from professional help.

  • What are Ohio no-fault laws?
  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my nanny covered when driving my vehicle?
  • Am I getting all the discounts available?
  • Is my cargo covered for damage or theft?
  • Do I have coverage when using my vehicle for my home business?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Additional detailed information is located at the Ohio Department of Insurance website. Ohio consumers can read enforcement actions against agents and companies, find out industry alerts, and file complaints about a company.

Lodi auto insurance quote

Affordable insurance is out there

When you buy insurance online, you should never reduce needed coverages to save money. There are many occasions where an insured cut collision coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at the best price.

You just read many tips how you can lower your auto insurance rates. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest priced auto insurance comes from a small mutual company.

Lower-priced auto insurance is available online in addition to many Lodi insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not provide online quoting and most of the time these small, regional companies sell through independent agents.