Car Insurance in The Plains Ohio - 7 Discounts You Might be Losing Out On
Are you tired of trying to scrape together enough money each month for car insurance? You're in the same situation as many other Ohio drivers. Because there are so many insurance companies to choose from, it can be challenging to locate the best provider.
How much can you save with these seven discounts?
Companies that sell car insurance don't always advertise all available discounts very well, so here is a list some of the more common as well as the least known savings tricks you should be using. If you don't get every credit available, you are throwing money away.
- Service Members Pay Less - Being on active duty in the military could mean lower rates.
- Employee of Federal Government - Active or retired federal employment can save as much as 8% depending on your company.
- Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
- Early Signing - Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
- Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
- One Accident Forgiven - Some insurance companies will forgive one accident before your rates go up so long as you haven't had any claims prior to the accident.
- Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears it's possible to get free car insurance, you won't be that lucky.
Save 15 percent in 15 minutes? Is it for real?
Consumers get pounded daily by advertisements for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies make an identical promise about savings if you switch to their company.
But how can every company make the same claim?
All companies can use profiling for the driver that earns them a profit. An example of a profitable customer could be between 25 and 40, is a homeowner, and has excellent credit. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save a lot of money.
Potential customers who don't meet this ideal profile must pay a more expensive rate and ends up with business going elsewhere. The ads say "customers that switch" but not "drivers who get quotes" save that much. That's why companies can truthfully make those claims. This illustrates why drivers should get quotes from several different companies. It's just too difficult to predict the company that will have the lowest rates.
Even more information is available at the Ohio Department of Insurance website. Consumers can find disaster information, download brochures, find out industry alerts, and file complaints about a company.
And the best car insurance company is...
Cheaper car insurance can be found from both online companies and also from your neighborhood The Plains agents, so you should compare both to have the best rate selection. Some companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
While you're price shopping online, don't be tempted to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.