Free Guide to Spending Less for New Haven Auto Insurance Online

Scraping up a payment for overpriced auto insurance can dwindle your checking account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to tighten up your finances.

Big-name insurance companies like GEICO and Progressive constantly blast consumers with ad campaigns and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to take a look at other company's rates quite often because prices are constantly changing. If you had the lowest rates last year you will most likely find a better rate today. So just ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in New Haven is easy if you know what you're doing. But Ohio consumers do need to know the way companies market on the web and use this information to your advantage.

Don't pay full price with these discounts

Companies offering auto insurance don't always list every available discount in a way that's easy to find, so we break down both the well known as well as the least known savings tricks you should be using.

  • Good Student Discount - Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • No Accidents - Drivers who don't have accidents can save substantially compared to drivers who are more careless.
  • E-sign - A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • Service Members Pay Less - Being on active duty in the military can result in better rates.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Save with a New Car - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. So when it seems like all the discounts add up to a free policy, companies don't profit that way.

Ohio auto insurance

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you might need an agent's assistance.

  • Do I need to file an SR-22 for a DUI in Ohio?
  • Should I put collision coverage on all my vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does medical payments coverage apply to all occupants?
  • Should I buy additional glass protection?
  • Am I covered when delivering products for my home-based business?
  • What companies insure drivers after a DUI or DWI?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

The auto insurance bait and switch

Companies like State Farm and Allstate regularly use ads in print and on television. All the ads make an identical promise that you'll save big if you move to their company. How can each company claim to save you money?

Insurance companies have a preferred profile for the driver that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and has great credit. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will save when they switch companies.

Potential insureds who don't measure up to the requirements will be charged more money and ends up with the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that much. This is how companies can advertise the savings. That is why you should get as many quotes as possible. It's impossible to know which insurance companies will give you the biggest savings.

More sites with auto insurance information

More detailed Ohio auto insurance information can be found at the Ohio Department of Insurance website. Visitors are able to file complaints about a company, learn about insurance regulations, find a variety of consumer forms, and read industry bulletins.

New Haven auto insurance comparison

Do the work, save more money

We covered some good ideas how you can reduce auto insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .

As you prepare to switch companies, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.