Compare Beavercreek Auto Insurance Prices With These Techniques

Are you intimidated by the wide range of auto insurance company choices in Beavercreek? Lot's of other consumers are too. Drivers have so many choices that it can turn into a challenge to find the perfect company for you.

These discounts can lower your rates

Insuring your fleet can be pricey, but discounts can save money and there are some available to cut the cost considerably. Most are applied at the time you complete a quote, but some may not be applied and must be asked for prior to getting the savings. If you aren't receiving every discount possible, you are throwing money away.

  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • Claim Free - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
  • Paperwork-free - A handful of insurance companies may give you up to $50 for buying your policy digitally online.
  • Distant Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.

A little note about advertised discounts, some credits don't apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

compare Beavercreek auto insurance rates

Are you falling for claims of savings?

Consumers in Oregon get pounded daily by advertisements that promise big savings from the likes of State Farm, Allstate and GEICO. They all have a common claim about savings after switching your coverage to them.

How can each company claim to save you money?

All the different companies are able to cherry pick for the type of customer that earns them a profit. A good example of a driver they prefer might be over the age of 40, has no driving citations, and has great credit. A customer getting a price quote that hits that "sweet spot" receives the best rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will be quoted a more expensive rate and this can result in the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. That's the way companies can truthfully advertise the savings.

This emphasizes why you should get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Learn more about Oregon auto insurance

Additional information can be read on the Oregon Insurance Division website located here. Visitors are able to view a list of available companies, report car insurance fraud, and learn about insurance regulations.

A tidy conclusion

Drivers change insurance companies for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, denial of a claim and even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

Cheaper auto insurance can be bought both online as well as from independent agents in Beavercreek, and you need to comparison shop both to have the best rate selection. There are still a few companies who don't offer you the ability to get quotes online and these small insurance companies work with independent agents.

As you prepare to switch companies, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.