6 Discounts Millersport Shoppers Forget when Quoting Car Insurance

Are you overwhelmed by the wide range of car insurance companies in Millersport? Many other consumers are too. You have so many options available that it can turn into a challenge to find the lowest price.

Choosing the best insurance company for you in Millersport is easy if you know what you're doing. If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Ohio vehicle owners just need to know how to shop their coverage around online.

More discounts equal less premium

Companies offering auto insurance don't necessarily list every discount very clearly, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If you're not getting every credit possible, you are throwing money away.

  • No Claims - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
  • Low Mileage Discounts - Keeping the miles down could qualify for a substantially lower rate.
  • Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Distant Student - Youth drivers living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Save with a New Car - Adding a new car to your policy is cheaper since new cars are generally safer.
  • Military Discounts - Being deployed with a military unit can result in better rates.

Consumers should know that some credits don't apply the the whole policy. Some only apply to specific coverage prices like comp or med pay. Just because you may think all the discounts add up to a free policy, companies don't profit that way.

Switch companies and save? Really?

Consumers in Ohio get pounded daily by advertisements that promise big savings from companies such as Progressive, Allstate and GEICO. They all have a common claim that you'll save big if you move your policy.

How does each company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the right customer that earns them a profit. A good example of a driver they prefer might be over the age of 40, has no tickets, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will qualify for the lowest rates and therefore will save when switching.

Drivers who do not match these standards will be quoted a higher premium and this can result in the customer not buying. The ad wording is "customers who switch" not "everyone that quotes" save that kind of money. That's the way companies can advertise the way they do. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

More detailed Ohio car insurance information can be read at the Ohio Department of Insurance website. Visitors are able to read industry bulletins, find disaster information, and view a list of available companies.

car insurance in Millersport

In the end, you save

Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, unfair underwriting practices and even not issuing a premium refund. It doesn't matter why you want to switch finding a new car insurance company is less work than it seems.

Discount car insurance is possible both online in addition to many Millersport insurance agents, and you need to comparison shop both to have the best selection. Some car insurance companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.