Spring Valley Auto Insurance For Less Than You're Paying Now

Comparing Spring Valley auto insurance rates online is challenging if you are a beginner to online quoting. But don't be discouraged because comparing prices is actually very simple.

It's important to check auto insurance prices periodically since insurance rates are constantly changing. Despite the fact that you may have had the best rates a couple years back a different company probably has better rates today. There is too much inaccurate information about auto insurance online, so I'm going to show you some great ways to find cheap auto insurance.

Buying car insurance in Spring Valley is not that difficult. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Although Ohio vehicle owners do need to know the way companies compete online.

Take advantage of discounts

Companies don't always publicize all their discounts very clearly, so the following is a list of some of the best known as well as the least known auto insurance savings.

  • Bundle and Save - If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Good Student - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • College Student - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Senior Discount - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Military Rewards - Having a deployed family member may qualify for rate reductions.
  • Accident Forgiveness - Certain companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.
  • Federal Employees - Active or retired federal employment can save as much as 8% with select insurance companies.

A little note about advertised discounts, most credits do not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, you won't be that lucky.

Ohio auto insurance quotes

What determines how much you pay?

Smart consumers have a good feel for some of the elements that help determine auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

The following are some of the items companies use to determine rates.

  • Where you reside plays a part - Living in a rural area can be a good thing when buying auto insurance. City drivers tend to have much more traffic and longer commute times. Less people living in that area means fewer accidents and a lower car theft rate.
  • Traffic citations inflate rates - Just one ticket can increase rates by as much as thirty percent. Good drivers have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with the DMV in their state in order to keep their license.
  • Older drivers pay less - Teenage drivers in Ohio are known to be more careless behind the wheel so they pay higher auto insurance rates. If you've ever had to add a teenage driver to your policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • Men pay higher rates - Statistics show that women are safer drivers than men. However, this does not mean women are better drivers. Women and men tend to get into accidents at a similar rate, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.

How to know if you need help

When it comes to buying coverage for your vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Ohio?
  • Why does it cost so much to insure a teen driver in Spring Valley?
  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don't know the answers to these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Are auto insurance companies telling the truth?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to say the same thing about savings after switching to them. How does each company say the same thing?

All companies have a certain "appetite" for the type of driver that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 30 and 50, a clean driving record, and drives less than 10,000 miles a year. A propective insured who fits that profile receives the best rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay a more expensive rate which usually ends up with business not being written. Company advertisements say "customers that switch" not "people who quote" save money. That is how companies can truthfully advertise the way they do. Because of the profiling, drivers should compare many company's rates. It's not possible to predict which company will provide you with the cheapest rates.

Even more information can be read at the Ohio Department of Insurance website. Ohio drivers can view agent and company licensing information, file complaints about a company, and read enforcement actions against agents and companies.

Ohio auto insurance

Final considerations

As you go through the steps to switch your coverage, it's very important that you do not skimp on coverage in order to save money. In many instances, someone dropped collision coverage and discovered at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage at a price you can afford.

In this article, we covered a lot of tips how to reduce auto insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from the least-expected company.

Consumers change insurance companies for a number of reasons such as policy non-renewal, poor customer service, not issuing a premium refund and even denial of a claim. No matter why you want to switch, choosing a new insurance company is less work than it seems.