Columbus Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the crazy number of auto insurance company choices in Columbus? You're not the only one! Drivers have so many options that it can turn into a big hassle to locate the lowest price.

Finding the best rates in Columbus is easy if you know what you're doing. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. But Indiana drivers do need to know the way insurance companies sell online and apply this information to your search.

These discounts can lower your rates

Car insurance companies don't always advertise every discount very clearly, so we took the time to find both well-publicized as well as the least known ways to save on auto insurance.

  • No Accidents - Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Low Mileage Discounts - Low mileage vehicles can earn better rates on cars that stay parked.
  • Multiple Cars - Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Save over 55 - Older drivers may receive better auto insurance rates.
  • Safety Course Discount - Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Braking Control Discount - Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Pay Now and Pay Less - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Homeowners Discount - Simply owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Distant Student - Any of your kids who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.

Consumers should know that many deductions do not apply the the whole policy. Most only apply to individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, companies don't profit that way.

For a list of insurance companies with discount auto insurance rates in Indiana, click this link.

Comprehensive Columbus Auto Insurance Comparison Quotes

Most major insurance companies like Progressive, Allstate and GEICO give coverage prices on their websites. This process is pretty painless as you simply type in the coverage amounts you desire as detailed in the form. Once entered, the company's rating system will obtain credit information and your driving record and returns a price quote based on many factors.

Being able to quote online helps simplify price comparisons, but the time required to go to a lot of sites and fill out multiple forms can be a bit repetitive. But it's very important to compare as many rates as possible in order to get better auto insurance pricing.

A more efficient way to find better auto insurance pricing uses one form to obtain quotes from several different companies. The form is fast, eliminates form submissions, and makes online quotes much more enjoyable. Once the form is submitted, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.

To find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you type in the limits and deductibles identical to your current policy. This helps ensure you will have a fair comparison based on identical coverages.

Do the work, save more money

Insureds leave their current company for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, lack of trust in their agent and not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

Discount auto insurance can be sourced online and also from your neighborhood Columbus agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online quoting and these regional insurance providers work with independent agents.

As you restructure your insurance plan, it's very important that you do not sacrifice coverage to reduce premiums. There are too many instances where an insured dropped physical damage coverage only to discover later that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.