Top 8 Ways to Pay Less on Car Insurance in Mingo Junction

Nobody I know enjoys paying for car insurance, especially when the cost is way too high.

With consumers having so many companies and agents to choose from, it's nearly impossible to locate the lowest price car insurance company.

It's important to compare prices periodically since rates are constantly changing. Even if you think you had the best price a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you're about to learn how to quote online to lower your rates without sacrificing coverage.

This article will familiarize you with how to effectively get price quotes and some money-saving tips. If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Nevertheless, Ohio car owners do need to know how companies market insurance on the web and apply this information to your search.

More discounts equal less premium

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help bring down the price. Some trigger automatically when you quote, but a few need to be manually applied before you get the savings.

  • Accident Forgiveness - Some insurance companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Safety Course Discount - Completing a driver safety course can save you 5% or more if you qualify.
  • Discount for Swiching Early - Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Clubs and Organizations - Belonging to a professional or civic organization could trigger savings on car insurance.
  • Claim Free - Good drivers with no accidents can save substantially as compared to drivers who are more careless.
  • Lower Rates for Military - Having a family member in the military could be rewarded with lower premiums.

It's important to understand that most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will help reduce your premiums.

It's not one size fits all

When it comes to buying the right insurance coverage for your vehicles, there really is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight if you would benefit from an agent's advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Do I qualify for additional discounts?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Switch companies and save? Really?

Car insurance companies such as State Farm, GEICO and Progressive consistently run ads in print and on television. They all seem to make the same claim of big savings if you change your coverage to them. But how can every company make the same claim?

All companies have a certain "appetite" for the type of customer that earns them a profit. For example, a desirable insured could be between 25 and 40, a clean driving record, and has a short commute. Any new insured who matches those parameters gets the lowest rates and therefore will save a lot of money.

Drivers who do not match this ideal profile will have to pay a higher premium which leads to business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save that much money. That is how insurance companies can confidently make the claims of big savings.

Because of the profiling, drivers should get a wide range of price quotes. It's just too difficult to predict which company will fit your personal profile best.

Additional car insurance information can be found on the website for the Ohio Department of Insurance located here. Consumers can learn about insurance regulations, file complaints about a company, discover disciplinary actions, and read consumer alerts.

Also read more on this site for Ohio car insurance information and see this list of insurance agents in Mingo Junction.

Ohio car insurance

Shop smart and save

Low-cost car insurance is attainable from both online companies as well as from independent agents in Mingo Junction, so you should compare both to have the best selection. Some insurance providers don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

You just learned some good ideas how to reduce car insurance prices online. It's most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the most savings is with the least-expected company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as .

As you shop your coverage around, don't be tempted to skimp on coverage in order to save money. In many cases, someone dropped physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at a price you can afford.