How to Find Low-Cost Rootstown Auto Insurance

Finding lower premiums on Rootstown auto insurance is nearly impossible for beginners to buying insurance online. You have so many choices that it can be a big hassle to locate the lowest price in Rootstown.

Take advantage of discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied when you quote, but a few must be asked about prior to getting the savings.

  • Driver's Ed - Have your child successfully complete driver's ed class in high school.
  • Military Discounts - Being deployed with a military unit can result in better rates.
  • Low Mileage Discounts - Keeping the miles down could be rewarded with a substantially lower rate.
  • Pay Upfront and Save - By paying your policy upfront instead of paying each month you could save 5% or more.
  • One Accident Forgiven - Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a certain period of time.

Keep in mind that some credits don't apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will help reduce your overall premium however.

To see a list of insurance companies with the best auto insurance discounts in Ohio, click here.

compare Rootstown auto insurance rates

Comprehensive Auto Insurance Comparison in Rootstown

There are several ways of comparing rate quotes and find the best price. The best method to find the cheapest insurance rates is to get quotes online. This can be done in several different ways.

  • The best way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This type of form eliminates the need for a different quote for each company. Taking the time to complete one form will return price quotes . Just one form and you're done.
  • A less efficient way to compare rate quotes consists of visiting the website of each company to complete their respective quote request forms. For instance, we'll assume you want rates from , and . You would have to go to every website to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Rootstown, click here.

Whichever method you choose, double check that you are using apples-to-apples deductibles and coverage limits on every quote you get. If you use different values for each quote you will not be able to determine which rate is truly the best in Rootstown. Slightly different limits may result in large price differences. It's important to know that comparing more company's prices gives you a better chance of getting better pricing.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to better auto insurance rates.

The list below includes a partial list of the pieces that factor into prices.

  • You might want pay the small claims yourself - Companies in Ohio generally give discounts to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee higher rates. Car insurance is designed for major claims that would cause financial hardship.
  • Safer cars cost less to insure - Safer cars get lower rates. The safest vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Special features that cut premiums - Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • One company can mean more discounts - The majority of insurance companies provide better rates to customers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by splitting coverages up.
  • Low deductibles can be expensive - The deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and burglary. The more the insured has to pay upfront, the less your company will charge you for insurance.
  • What type of vehicle do you drive? - The make and model of the vehicle you are buying insurance for makes a substantial difference in the rate you pay. The cheapest insurance rates are usually for small economy passenger cars, but other factors influence the final cost greatly.
  • Add-on coverages can add up - There are a lot of extra bells and whistles that can waste your money on your auto insurance policy. Things like roadside assistance, accident forgiveness and membership fees are some examples. These coverages may sound good when talking to your agent, but your needs may have changed so remove them from your policy.

Are auto insurance companies telling the truth?

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all have a common claim that you can save if you move your policy. But how can every company make almost identical claims? This is how they do it.

Different companies can use profiling for the right customer that is profitable for them. For instance, a driver they prefer could possibly be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A driver that hits that "sweet spot" is entitled to the best price and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will be quoted a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "people who quote" save that kind of money. That's why insurance companies can advertise the way they do.

This emphasizes why drivers must compare many company's rates. It is impossible to predict the company that will provide you with the cheapest rates.

Final considerations

Drivers who switch companies do it for any number of reasons including extreme rates for teen drivers, unfair underwriting practices, delays in responding to claim requests or denial of a claim. No matter why you want to switch, switching auto insurance companies is actually quite simple.

In this article, we presented a lot of ways to compare auto insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a lesser-known regional company.

Affordable auto insurance is possible online in addition to many Rootstown insurance agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

compare Rootstown auto insurance rates

More information is located on the Ohio Department of Insurance website. Click here for link. Ohio consumers can download brochures, find disaster information, and view a list of available companies.

Additional helpful sites include this site for auto insurance rates in Ohio and this list of insurance agents in Rootstown, OH.