Find Cheaper Marietta Auto Insurance
Are you overwhelmed by the crazy number of auto insurance companies in Marietta? Many other consumers are too. There are so many options that it can turn into a lot of work to find the perfect company for you.
More discounts equal less premium
Companies offering auto insurance do not advertise every discount in an easy-to-find place, so we took the time to find both well-publicized as well as the least known auto insurance savings.
- Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
- Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
- Save over 55 - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
- Low Mileage Discounts - Fewer annual miles can earn lower rates on the low mileage vehicles.
- Clubs and Organizations - Participating in certain professional organizations could qualify you for a break when shopping for auto insurance.
It's important to note that most of the big mark downs will not be given the the whole policy. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, you're out of luck.
Tips to Get Lower Marietta Rates
Smart consumers have a good feel for some of the elements that help determine the price you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.
The following are a few of the "ingredients" used by your company to calculate prices.
- Lower rates with optional equipment - Choosing a vehicle with an alarm system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your car from being stolen.
- Don't buy coverages you don't need - There are a ton of extra coverages that can waste your money on your auto insurance policy. Coverages like personal injury protection, accident forgiveness and additional equipment coverage are examples of these. These coverages may sound good when you first buy your policy, but now you might not need them so get rid of them and save.
- Men pay higher rates - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men cause accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving. Young males are most likely to cause an accident and therefore are the most expensive to insure.
- Drive a safer car and pay less - Cars with high safety ratings are cheaper to insure. The safest vehicles protect occupants better and lower injury rates means lower claim amounts and lower rates for you.
- Liability insurance protects assets - Liability coverage provides coverage when a court rules you are at fault for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
- Do you qualify for a multi-policy discount? - Many companies provide better rates to customers who buy several policies from them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount, you still need to compare other company rates to verify if the discount is saving money. You may still find a better deal by splitting coverages up.
- Rural vs Urban Areas - Choosing to live in a rural area can save you money when insuring your vehicles. Less people living in that area means a lower chance of having an accident. Drivers in populated Ohio areas regularly have traffic congestion and longer commutes to work. Higher commute times translates into higher accident risk.
Switch companies and save? Really?
Auto insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all say the same thing that you can save after switching your coverage to them. How do they all make almost identical claims?
All companies are able to cherry pick for the type of customer that earns them a profit. For example, a driver they prefer could possibly be between 25 and 40, has no tickets, and has a high credit rating. A customer getting a price quote who fits that profile will get the preferred rates and therefore will cut their rates substantially.
Drivers who do not match the "perfect" profile will be quoted a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that much money. That's the way insurance companies can state the savings. This emphasizes why drivers should get a wide range of price quotes. It's impossible to know which auto insurance company will have the lowest rates.
Additional detailed information can be found at the Ohio Department of Insurance website. Ohio consumers can view a list of available companies, discover disciplinary actions, and learn about insurance regulations.
Do the work, save more money
Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, denial of a claim and even questionable increases in premium. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.
Lower-priced auto insurance can be bought online as well as from independent agents in Marietta, so you should compare both to have the best selection. Some insurance companies don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.
As you restructure your insurance plan, you should never skimp on coverage in order to save money. There have been many situations where an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.