Russells Point Auto Insurance For Less Than You're Paying Now
If price shopping auto insurance online is new to you, you may be overwhelmed by the vast number of auto insurance companies all offering big savings in Russells Point.
It's important to take a look at other company's rates occasionally because prices are constantly changing. Even if you think you had the lowest price a few years ago a different company probably has better rates today. You can find a lot of wrong information about auto insurance on the internet, so I'm going to show you some great ways to find cheap auto insurance.
More discounts equal less premium
Companies don't always advertise all their discounts in an easy-to-find place, so we researched both well-publicized and the more hidden savings tricks you should be using. If they aren't giving you every credit you qualify for, you are throwing money away.
- College Student - Kids in college who are attending college and don't have a car may be able to be covered for less.
- Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Drive Less and Save - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
- Multiple Cars - Having all your vehicles on one policy could earn a price break for each car.
- Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
It's important to note that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you're out of luck.
Russells Point Rates are Influenced by These Factors
Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for auto insurance. Understanding what influences your rates enables informed choices that may reward you with lower auto insurance prices.
Shown below are a partial list of the pieces auto insurance companies consider when setting rates.
- Older drivers pay less - Older drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Teen drivers have a tendency to be less responsible behind the wheel therefore auto insurance rates are much higher.
- Discounts for multiple policies - Some insurers will give a discount to customers who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount, you may still want to compare other company rates to ensure the best deal.
- High crash test scores lower rates - Cars with high safety ratings can get you lower premiums. These vehicles reduce injuries and lower injury rates means less money paid by your insurance company and lower rates for you.
- Lower deductibles cost more - Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. Deductibles for physical damage are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more you are required to pay out-of-pocket, the lower your rates will be.
It's not one size fits all
When it comes to buying the best auto insurance coverage for your vehicles, there is no cookie cutter policy. Everyone's needs are different.
Here are some questions about coverages that might point out if you might need an agent's assistance.
- What are Ohio no-fault laws?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Is my dog or cat covered if injured in an accident?
- Is my nanny covered when driving my vehicle?
- Can I afford to buy a different vehicle if my vehicle is totaled?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Will I be non-renewed for getting a DUI or other conviction?
If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don't have a local agent, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.
Switch companies and save? Really?
Ohio consumers get pounded daily by advertisements for cheaper car insurance by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you can save if you change to their company.
How do they all make almost identical claims?
All companies have a certain "appetite" for the driver that earns them a profit. For instance, a desirable insured could possibly be between the ages of 30 and 50, owns a home, and has a short commute. A customer getting a price quote who meets those qualifications gets the lowest rates and therefore will cut their rates substantially.
Potential insureds who do not match the "perfect" profile will have to pay more money and ends up with the driver buying from a lower-cost company. The ads say "people who switch" not "everyone that quotes" save that much. That is how insurance companies can make the claims of big savings. Because of the profiling, drivers should compare many company's rates. It's impossible to know which company will fit your personal profile best.
Additional detailed information is located at the Ohio Department of Insurance website. Ohio consumers can read enforcement actions against agents and companies, read consumer alerts, and find disaster information.
Best coverage at the best price
As you shop your coverage around, you should never skimp on coverage in order to save money. There are many occasions where an insured cut collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at an affordable rate.
Lower-priced auto insurance is attainable online and also from your neighborhood Russells Point agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
People leave their current company for many reasons like not issuing a premium refund, policy non-renewal, delays in responding to claim requests and even lack of trust in their agent. It doesn't matter why you want to switch finding the right auto insurance provider is less work than it seems.