Car Insurance in Sunbury - 5 Discounts You Might be Unaware of
If shopping for car insurance online is new to you, it's easy to be confused by the vast number of car insurance companies competing for business in Sunbury.
It's important to compare prices occasionally since rates are constantly changing. Even if you got the best price a few years ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because you're about to find out the only way to eliminate unnecessary coverages and save money.
Sunbury Car Insurance Quote Comparison
There are several ways to shop for car insurance, and some are less labor-intensive and much quicker. You can spend your afternoon talking to insurance companies in Sunbury, or you could use online quotes to get rate comparisons in just a few minutes.
Most of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and each participating company then gives them pricing determined by their information. This saves time by eliminating quote forms for each company you want a rate for. To submit your quote information now, click here to open in new window.
The one downside to doing it this way is you can't choose which providers you want pricing from. If you would rather choose specific providers to compare prices, we have assembled a list of companies who write car insurance in Ohio. Click here for list of insurance companies in Ohio.
It's up to you which method you use, but make absolute certain that you use exactly the same coverage limits and deductibles for each price quote. If your comparisons have different liability limits then you won't be able to truly determine the lowest rate in Sunbury. Quoting even small variations in limits may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes will improve the odds of getting the best rates.
How much can you save with these 5 discounts?
Insuring your vehicles can cost a lot, but you can get discounts that many people don't even know exist. Certain discounts will be applied when you get a quote, but a few need to be manually applied before you will receive the discount.
- Accident Forgiveness - A handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
- Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
- Bundle and Save - If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
- Federal Employees - Employees or retirees of the government can save as much as 8% with select insurance companies.
- Life Insurance - Some companies give better rates if you take out a life insurance policy as well.
It's important to note that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you're out of luck. But any discount will reduce the amount you have to pay.
To choose companies offering car insurance discounts in Sunbury, click here to view.
Save 15 percent in 15 minutes? Is it for real?
Car insurance companies such as State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. They all seem to make an identical promise that you can save if you switch to their company. How can each company claim to save you money? It's all in the numbers.
All companies have a certain "appetite" for the driver that makes them money. For example, a desirable insured might be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save when they switch companies.
Drivers who don't meet the requirements will have to pay higher premiums and ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can advertise the way they do.
Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict which company will provide you with the cheapest rates.
How much car insurance do I need?
When buying the right insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Every situation is different.
For example, these questions might point out if your insurance needs might need an agent's assistance.
- Does my policy cover me when driving someone else's vehicle?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Am I covered when driving in Canada or Mexico?
- Do I have coverage for damage caused while driving under the influence?
- What are the financial responsibility laws in Ohio?
- Does my liability insurance cover pulling a trailer or camper?
- Am I covered when driving on a suspended license?
If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.
More information can be found on the Ohio Department of Insurance website found here. Visitors are able to learn about insurance regulations, find out industry alerts, and read consumer alerts.
The best insurance company isn't always the cheapest
Lower-priced car insurance can be found both online and also from your neighborhood Sunbury agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.
When shopping online for car insurance, it's a bad idea to reduce coverage to reduce premium. In many cases, an insured cut physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at the best price.
People switch companies for a variety of reasons including denial of a claim, policy cancellation, policy non-renewal or even high rates after DUI convictions. It doesn't matter what your reason, finding a new car insurance company is easier than you think.