8 Tricks Guaranteed to Slash the Cost of Car Insurance Costs in Pleasant Plain

Nobody I know looks forward to paying for car insurance, particularly when they are paying too much.

Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with TV and radio ads and it is difficult to sift through the bull and find the best price available.

It's important to shop coverage around periodically since rates are constantly changing. If you had the best deal on your last policy you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about car insurance because we're going to show you the only way to find better rates and still maintain coverage.

If you currently have car insurance, you will be able to save some money using these methods. Buying car insurance in Pleasant Plain is quite easy. Nevertheless, Ohio consumers do need to know how companies market on the web and take advantage of how the system works.

Save big with these eight discounts

Companies that sell car insurance don't always publicize all their discounts in a way that's easy to find, so here is a list both the well known as well as the least known discounts you could be receiving.

Bundle and Save - If you have multiple policies with the same company you may earn 10% to 20% off each policy.
Passive Restraint Discount - Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
Claim Free - Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
Life Insurance Discount - Larger companies have better rates if you take out life insurance from them.
Lower Rates for Military - Being deployed with a military unit can result in better rates.
Drive Less and Save - Keeping the miles down can qualify you for a substantially lower rate.
Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.

It's important to understand that some credits don't apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it doesn't quite work that way.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help highlight if your situation would benefit from an agent's advice.

What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
What companies insure drivers after a DUI or DWI?
Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?
Am I covered when delivering products for my home-based business?

If you can't answer these questions but a few of them apply, then you may want to think about talking 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.

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. They all seem to have a common claim of big savings if you move your coverage to them. How can each company claim to save you money?

Different companies have a certain "appetite" for the type of customer that earns them a profit. An example of a desirable insured might be between 25 and 40, a clean driving record, and has great credit. Any new insured that hits that "sweet spot" will get very good rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will have to pay a higher premium and this can result in the customer not buying. The ads say "customers that switch" not "people who quote" save that much money. That is how insurance companies can confidently advertise the savings. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which company will fit your personal profile best.

More tips and info about car insurance is available at the Ohio Department of Insurance website. Visitors are able to view agent and company licensing information, find out industry alerts, read industry bulletins, and view a list of available companies.

Shop smart and save

When you buy insurance online, it's not a good idea to buy lower coverage limits just to save a few bucks. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at a price you can afford.

We just covered a lot of ways to reduce car insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the most savings is with the least-expected company. Regional companies can often provide lower rates in certain areas than their larger competitors like .