Wayne Auto Insurance For Less Than You're Paying Now

Comparing Wayne auto insurance rates online can seem complicated if you are a beginner to online rate quotes. But relax because it's actually quite easy.

If you have a current auto insurance policy or need new coverage, you can learn to shop for the lowest rates while maximizing coverage. Locating the cheapest protection in Wayne can be fairly easy. Ohio consumers only need to know the proper methods to get comparison rates over the internet.

Save big with these discounts

Companies that sell car insurance don't always publicize every discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known ways to save on auto insurance. If they aren't giving you every credit you qualify for, you are throwing money away.

  • Military Discounts - Having a family member in the military may qualify for rate reductions.
  • Good Student - Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Paperwork-free - Some insurance companies give back up to $50 for buying your policy on their website.
  • Low Mileage Discounts - Fewer annual miles could qualify for better rates on cars that stay parked.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
  • Federal Employees - Active or retired federal employment can earn a discount up to 10% with a few auto insurance companies.
  • Auto/Life Discount - Companies who offer life insurance give lower rates if you buy life insurance from them.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky.

compare Wayne auto insurance rates

Understand what determines the rate you pay

Smart consumers have a good feel for the rating factors that help determine auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to better auto insurance rates.

  • Safer cars are cheaper to insure - Safer cars tend to have better insurance rates. The safest vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and lower rates for you.
  • Traffic citations inflate rates - Even one ticket may increase your cost forty percent or more. Drivers with clean records have lower premiums compared to drivers with tickets. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with the DMV in their state in order to keep their license.
  • Being married can save on auto insurance - Getting married can get you a discount on your auto insurance policy. Having a significant other usually means you are more responsible and it's proven that married couples file fewer claims.
  • Small claims can cost you - Companies in Ohio give better rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for larger claims.

But I don't know anything about car insurance

When it comes to buying coverage for your vehicles, there is no one size fits all plan. Everyone's needs are different.

These are some specific questions may help highlight if your situation might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Ohio?
  • Does my personal policy cover me when driving my company car?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?
  • Do I have coverage for damage caused while driving under the influence?

If it's difficult to answer those questions, you might consider talking to a licensed agent. If you don't have a local agent, fill out this quick form. It's fast, doesn't cost anything and can help protect your family.

Auto insurance ads bend the truth

Ohio drivers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all make the same claim about savings after switching your policy.

How do they all say the same thing?

Different companies have a certain "appetite" for the right customer that earns them a profit. A good example of a driver they prefer might be profiled as between 30 and 50, a clean driving record, and has a high credit rating. A propective insured who matches those parameters will get very good rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will be quoted more money which leads to business not being written. The ads say "customers that switch" not "people who quote" save that kind of money. That is how companies can truthfully state the savings. This emphasizes why drivers should get quotes from several different companies. It's not possible to predict which company will have the lowest rates.

Even more information can be read at the Ohio Department of Insurance website. Ohio drivers can find disaster information, file complaints about a company, and get help finding coverage.

Ohio auto insurance

And the best car insurance company is...

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, poor customer service, an unsatisfactory settlement offer and even delays in responding to claim requests. Whatever your reason, choosing a new insurance company is less work than it seems.

In this article, we covered many ideas to reduce auto insurance prices online. The most important thing to understand is the more providers you compare, the better chance you'll have of finding lower rates. You may be surprised to find that the best prices are with a small local company.

The cheapest auto insurance can be sourced on the web in addition to many Wayne insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.