Free Guide to Paying Less for Union Auto Insurance Online

Scraping up a payment for overpriced auto insurance can dwindle your personal savings and make it hard to pay other bills. Doing a price comparison is free and is an excellent way to help make ends meet. You have multiple to pick from, and even though it's nice to have a selection, having more makes it harder to compare rates.

It's important to do rate comparisons quite often since insurance rates are constantly changing. Even if you got the best price last year you can probably find a lower rate today. Ignore everything you know about auto insurance because we're going to demonstrate the only way to get good coverage at a lower rate.

The purpose of this post is to help you learn how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Ohio vehicle owners just need to know the most efficient way to compare prices online.

Free Quotes for Auto Insurance in Union, Ohio

There are several ways to compare auto insurance quotes, but there is one way that is less time-consuming than others. You can spend countless hours talking to agents in Union, or you could save time and use the web to get prices fast.

The majority of car insurance companies take part in a program that allows shoppers to only type in their quote data once, and every company then gives them pricing determined by their information. This system prevents you from having to do quote forms for each company you want a rate for. To submit your quote information now, click to open in new window.

One minor caviat to using this type of form is you can't choose the providers you want pricing from. So if you want to choose specific insurance companies for rate comparison, we have a page of auto insurance companies in Ohio. Click here for list of insurance companies in Ohio.

It doesn't matter which method you choose, just make darn sure you compare identical coverage limits and deductibles with each company. If your comparisons have different liability limits it will be impossible to make an equal comparison in Union.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but you may find discounts that many people don't even know exist. Certain discounts will be applied at the time of quoting, but less common discounts must be asked for before you will receive the discount. If you're not getting every credit you deserve, you're paying more than you need to.

  • Sign Online - A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • College Student - Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • New Vehicle Savings - Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Government Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
  • Passive Restraint Discount - Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Auto/Life Discount - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Own a Home - Owning a house in Union may earn you a small savings because owning a home is proof that your finances are in order.
  • Accident Free - Drivers who don't have accidents can save substantially as compared to bad drivers.
  • Memberships - Affiliation with a qualifying organization could trigger savings on auto insurance.

Drivers should understand that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To see a list of companies offering auto insurance discounts in Ohio, click this link.

How much car insurance do I need?

When choosing the right insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Everyone's needs are different so this has to be addressed. For example, these questions may help you determine if your insurance needs might need an agent's assistance.

  • Does medical payments coverage apply to all occupants?
  • What are Ohio no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage for damage caused while driving under the influence?

If it's difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

More sites with auto insurance information

Much more information about auto insurance in Ohio can be found on the website for the Ohio Department of Insurance located here. Ohio drivers can get help finding coverage, read enforcement actions against agents and companies, find out industry alerts, and file complaints about an insurance agent or broker.

Additional helpful sites include this site for Ohio auto insurance information and see this list of insurance agents in Union.