6 Tips Guaranteed to Save on Car Insurance Costs in Warren

Paying for high-priced car insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to help make ends meet.

You have so many insurers to pick from, and although it’s a good thing to have a selection, lots of choices makes it harder to find a good deal.

You should make it a habit to compare rates on a regular basis since rates change regularly. Even if you got the lowest rates two years ago you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to find great coverage at a great price.

Don’t miss out on these six money-saving discounts

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but less common discounts must be specially asked for before you get the savings.

Student in College – Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.
Fewer Miles Equal More Savings – Driving fewer miles can earn discounted rates on garaged vehicles.
Seat Belts Save – Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
Military Discounts – Having a deployed family member could be rewarded with lower premiums.
No Charge for an Accident – Some insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will help reduce your overall premium however.

To see a list of providers with the best car insurance discounts in Ohio, click here.

Comparing rates from local agents

Some consumers would rather buy from a local agent and that is just fine! One of the great benefits of comparing insurance prices online is that you can obtain better rates but still work with a licensed agent. Supporting small agencies is important particularly in Warren.

Once you complete this form (opens in new window), the quote information is emailed to companies in Warren who will return price quotes for your insurance coverage. You never need to leave your computer because quoted prices will be sent to the email address you provide. How cool is that?! Get lower rates AND an agent nearby.

Pick the best insurance agent in Warren for you

When finding a reputable insurance agent or broker, you must know there are a couple types of agencies from which to choose. Agents can either be captive or independent.

Independent Agencies or Brokers

Independent agencies do not work for one specific company so they have the ability to put coverage amongst many companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.

When searching for an agent, it’s a good idea to include at a minimum one independent agency to have the most options to choose from.

The following are Warren independent agents that may be able to provide price quotes.

Nurse and Griffin Insurance – 5497 Mahoning Ave NW – Warren, OH 44483 – (330) 847-9062
Acceptance Insurance Agency – 2031 Elm Rd NE – Warren, OH 44483 – (330) 369-6411
Insurance Center-Warren Agency – 2650 Weir Rd NE – Warren, OH 44483 – (330) 394-6444
Insurance Systems Agency Inc – 187 High St NE – Warren, OH 44481 – (330) 399-6472
Acceptance Insurance Agency – 2031 Elm Rd NE – Warren, OH 44483 – (330) 369-6411

Captive Insurance Agents

Captive insurance agents have only one company to place business with such as State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. These agents receive extensive training on their products and sales techniques which can be an advantage.

The following are Warren captive insurance agencies who can help you get comparison quotes.

American Family Insurance – 1016 Niles Cortland Rd NE – Warren, OH 44484 – (330) 856-6477
State Farm Insurance – 5959 Shaffer Rd NW – Warren, OH 44481 – (330) 847-9494
Allstate Insurance – 5000 E Market St # 33 – Warren, OH 44484 – (330) 856-5900
Farmers Insurance Group – 177 Niles Cortland Rd SE – Warren, OH 44484 – (330) 856-7704
Ohio auto insurance

For a complete listing of captive insurance agents in Warren, simply jump to this page.

Selecting an auto insurance agent should depend on more than just a cheap price. These questions are important to ask:

Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
If you are a high risk driver, do they have special markets for your coverage?
Do they feel the quoted coverages are adequate?
Can they give you a list of client referrals?
Does the agency have a good rating with the Better Business Bureau?
Who are their largest clients?
Is vehicle damage repaired with OEM or aftermarket parts?

Upon receiving positive responses to these questions and an acceptable price quote, you’ve probably found an insurance agency that will adequately provide car insurance.

It’s not one size fits all

When choosing the best car insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

What is the minimum liability in Ohio?
What if I total my vehicle and owe more than it’s worth?
Is business property covered if stolen from my car?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Do I pay less if my vehicle is kept in my garage?
Do I need medical payments coverage since I have good health insurance?
Do I have coverage for damage caused while driving under the influence?
Can I still get insurance after a DUI?
When should my teen driver be added to my policy?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance coverage information

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by car insurance companies.

Collision coverage protection

Collision coverage covers damage to your vehicle from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, sideswiping another vehicle, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hitting a deer, theft, hail damage and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like prosthetic devices, pain medications and surgery. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your vehicle.

Since many Ohio drivers carry very low liability coverage limits (Ohio limits are 12,500/25/7,500), their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Coverage for liability

This coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like emergency aid, pain and suffering, legal defense fees, bail bonds and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford. Ohio state law requires minimum liability limits of 12,500/25,000/7,500 but it’s recommended drivers buy more liability than the minimum.

Much more information about car insurance in Ohio is available on the website for the Ohio Department of Insurance through this link. Ohio drivers can find out which companies have the most complaints, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

More related Warren car insurance information:

One last thing about your coverage

We just showed you a lot of ways to save on car insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with an unexpected company. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive and GEICO.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your strategy should be to find the BEST coverage at an affordable rate.

Cost effective car insurance can be found online and with local Warren insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not offer the ability to get a quote online and these small insurance companies work with independent agents.