Quote Smithfield Auto Insurance Prices With These Methods

Price shopping your Smithfield auto insurance is nearly impossible for beginners to buying insurance online. There are so many options that it can quickly become a big hassle to find the best price in Smithfield.

These discounts can lower your rates

Companies that sell car insurance don't necessarily list every discount in a way that's easy to find, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you aren't receiving every discount available, you're paying more than you need to.

  • Drivers Ed for Students - Have your child successfully complete driver's ed class in high school.
  • Seat Belts Save - Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Low Mileage Discounts - Keeping the miles down can earn discounted rates on garaged vehicles.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
  • Distant Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren't that generous.

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

compare Smithfield auto insurance rates

How to Compare Auto Insurance Costs in Smithfield

Most companies provide price estimates online. Getting online rates is quite simple as you simply type in the amount of coverage you want as detailed in the form. Once you submit the form, the company's rating system will obtain your driving record and credit report and returns pricing information.

Online quotes streamlines rate comparisons, but the time it takes to visit many different websites and enter the same data into a form can be a bit tiresome and repetitive. But it's very important to do this if you want to find better auto insurance pricing.

Quote rates the easy way

The preferred way to find cheaper rates uses one simple form that gets prices from many companies. The form is fast, requires less work, and makes comparison shopping much more efficient. After sending the form, it gets priced and you are able to buy your choice of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To save time and find out what other companies charge, click here to open in new window and submit the form. If you currently have coverage, we recommend you input identical to your current policy. This makes sure you are getting rate quotes based on the exact same insurance coverage.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

  • Frequent auto insurance claims increase rates - Companies in Ohio award cheaper rates to insureds who do not file claims often. If you are a frequent claim filer, you can expect higher rates. Auto insurance is designed for major claims that would cause financial hardship.
  • Never go without insurance - Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
  • Choose a safe vehicle and save - Cars with high safety ratings can get you lower premiums. The safest vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Low deductibles can be expensive - Deductibles for physical damage define the amount you are required to spend out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, vandalism, and burglary. The higher the amount you have to pay, the less your company will charge you for insurance.
  • Mature drivers pay less - Mature drivers are more cautious drivers, tend to file fewer claims and get fewer tickets. Teen drivers tend to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
  • Pay less after the wedding - Having a spouse actually saves money on your policy. Having a significant other translates into being more responsible and it's statistically proven that drivers who are married are more cautious.
  • The more you drive the more you pay - The more you drive every year the higher your rate. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your auto insurance policy is rated on the correct driver usage.

Are you falling for claims of savings?

Ohio consumers can't get away from ads for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. They all make an identical promise about savings if you move your coverage to them.

How can each company make almost identical claims?

All companies can use profiling for the type of customer that is profitable for them. For example, a driver they prefer could possibly be over the age of 50, has no tickets, and has a short commute. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be quoted higher rates and ends up with the driver buying from a lower-cost company. The ad wording is "people who switch" not "everybody who quotes" save that much money. That's why companies can truthfully make the claims of big savings. This emphasizes why drivers must get quotes from several different companies. It is impossible to predict the company that will fit your personal profile best.

A tidy conclusion

People who switch companies do it for many reasons like extreme rates for teen drivers, being labeled a high risk driver, delays in responding to claim requests or lack of trust in their agent. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.

Cheap auto insurance is definitely available online as well as from independent agents in Smithfield, and you should be comparing both to get a complete price analysis. Some insurance providers don't offer the ability to get a quote online and these regional insurance providers work with independent agents.

As you shop your coverage around, it's a bad idea to reduce coverage to reduce premium. There have been many situations where an insured dropped physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

compare Smithfield auto insurance rates

More Ohio auto insurance information

Even more information can be found at the Ohio Department of Insurance website. Ohio consumers can download brochures, find a variety of consumer forms, and find disaster information.