Comparison Shop Urbana Auto Insurance Prices With These Methods

Shopping for affordable Urbana auto insurance online is intimidating for beginners to price shopping online. Since there are so many online companies available, how can you possibly compare every one to find the best pricing?

It's important to take a look at other company's rates yearly since insurance rates are constantly changing. Even if you think you had the best price a year ago a different company probably has better rates today. Ignore everything you know about auto insurance because you're about to find out how to quote online to find better coverage at a better price.

Save big with these discounts

Auto insurance companies do not list all their discounts in a way that's easy to find, so we took the time to find some of the best known and the more hidden discounts you could be receiving. If you aren't receiving every discount you deserve, you are throwing money away.

  • Life Insurance Discount - Companies who offer life insurance give better rates if you take out life insurance.
  • Drive Less and Save - Low mileage vehicles can earn a substantially lower rate.
  • Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • College Student - Youth drivers who attend school more than 100 miles from home and don't have a car may qualify for this discount.
  • Senior Discount - If you qualify as a senior citizen, you may receive better auto insurance rates.
  • Multiple Cars - Insuring all your vehicles on one policy could earn a price break for each car.

As a disclaimer on discounts, some credits don't apply to your bottom line cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren't that generous.

Ohio auto insurance quotes

Urbana Rates are Influenced by These Factors

Smart consumers have a good feel for the factors that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

  • Big city or small town - Residing in small towns and rural areas can be a good thing when buying auto insurance. Fewer drivers translates into fewer accidents. City drivers tend to have much more traffic to deal with and longer commute times. Longer commute distances means more change of being in an accident.
  • The more you drive the more you pay - The higher the mileage driven in a year's time the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your auto insurance declarations sheet is rated on the correct usage for each vehicle.
  • Safe vehicles cost less to insure - Vehicles with high crash test scores get lower rates. These vehicles reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.
  • Keep rates low by being claim-free - Car insurance companies in Ohio generally give cheaper rates to insureds who are claim-free. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
  • Lower rates with optional equipment - Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.

But I don't know anything about car insurance

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone's needs are different.

These are some specific questions can help discover if your situation may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?
  • What can I do if my company won't pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I put collision coverage on all my vehicles?

If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.

Auto insurance ads bend the truth

Ohio drivers get pounded daily by advertisements for car insurance savings by GEICO, State Farm and Progressive. They all seem to have a common claim about savings if you change to their company.

How can each company say the same thing?

Insurance companies have a preferred profile for the driver that earns them a profit. For example, a desirable insured might be profiled as over the age of 50, has no prior claims, and has excellent credit. A propective insured that hits that "sweet spot" will qualify for the lowest rates and most likely will save when they switch companies.

Drivers who fall outside the requirements will have to pay a higher premium and this can result in business not being written. The ad wording is "people who switch" not "people who quote" save that much. This is how companies can truthfully make those claims. Because of the profiling, drivers should quote coverage with many companies. It's not possible to predict which insurance companies will have the lowest rates.

Learn more about auto insurance in Ohio

Even more information can be found at the Ohio Department of Insurance website. Ohio drivers can view agent and company licensing information, file complaints about an insurance agent or broker, and find disaster information.

Ohio auto insurance quotes

And the best car insurance company is...

While you're price shopping online, it's not a good idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice physical damage coverage only to discover later they didn't purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Cheap auto insurance is attainable on the web and also from your neighborhood Urbana agents, and you should be comparing both to have the best selection. Some companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Drivers leave their current company for many reasons like delays in paying claims, delays in responding to claim requests, unfair underwriting practices and even not issuing a premium refund. Whatever your reason, finding the right auto insurance provider is less work than it seems.