Find Rock Solid Methods to Save on Findlay Auto Insurance

Having to pay for overpriced auto insurance can empty your bank account and force you to make sacrifices. Comparing price quotes is a smart way to lower your monthly bill. With consumers having so many insurance companies to choose from, it can be hard to choose the best provider.

Findlay Auto Insurance Quote Comparison

Getting a lower price on insurance can be quick and easy. Just spend a few minutes comparing price quotes online with multiple companies. This is very easy and can be done in several different ways.

The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This method prevents you from having to do repetitive form entry for each company. One form gets you coverage quotes from all major companies.
A different way to compare prices consists of going to each company’s website and request a quote. For example, let’s assume you want rates from GEICO, Esurance and Travelers. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is quicker. For a list of links to insurance companies in Findlay, click here.
The most time-consuming way of getting rate comparisons is to drive around to local Findlay insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the professional guidance that only a license agent can provide. Drivers can get prices online and still use a local agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but make darn sure you compare the exact same information for each price quote. If your comparisons have higher or lower deductibles it will be next to impossible to decipher which rate is best in Findlay.

Don’t be fooled by advertising claims

Ohio drivers can’t get away from ads for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. They all seem to say the same thing of big savings if you move your policy.

How can each company say the same thing? It’s all in the numbers.

Different companies can use profiling for the type of customer that is profitable for them. A good example of a preferred risk could possibly be over the age of 50, owns a home, and drives newer vehicles. A driver who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Drivers who fall outside these standards will be quoted more money which usually ends up with business going elsewhere. The ads state “customers that switch” not “people who quote” save that much. That’s the way insurance companies can claim big savings.

This emphasizes why drivers must quote coverage with many companies. Because you never know which insurance companies will give you the biggest savings.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for some of the elements that play a part in calculating your auto insurance rates. Knowing what influences your rates enables informed choices that will entitle you to lower auto insurance prices.

High crash test scores lower rates – Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and lower rates for you.
Is your vehicle built for speed? – The performance of the car you are buying insurance for makes a huge difference in how high your rates are. Economy passenger vehicles generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
Never let your coverage lapse – Not having insurance is illegal and auto insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, but not being able to provide proof of insurance may earn you a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with the Ohio motor vehicle department.
Younger drivers pay higher rates – Older drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teen drivers tend to be careless and easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
Where you live can impact rates – Being located in a rural area is a positive aspect when it comes to auto insurance. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Lower population means fewer accidents.
High credit ratings translate to low rates – Your credit history is a large factor in determining your rates. So if your credit history is not that good, you could save money insuring your by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit scores.
Battle of the sexes – The statistics show that women are safer drivers than men. However, don’t assume that men are worse drivers. Both sexes cause accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as reckless driving.
Adjust deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, damage from fire, and rolling your vehicle. Physical damage deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more you are required to pay out-of-pocket, the less your auto insurance will be.

You probably qualify for some discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to cut the cost considerably. Most are applied at the time you complete a quote, but less common discounts must be asked about prior to getting the savings. If you’re not getting every credit possible, you are paying more than you should be.

Homeowners Discount – Being a homeowner can help you save on auto insurance because owning a home demonstrates responsibility.
Lower Rates for Military – Being on active duty in the military could mean lower rates.
Federal Employees – Simply working for the federal government can earn a discount up to 10% with select insurance companies.
Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
Payment Discounts – By paying your policy upfront instead of paying each month you could save 5% or more.
Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
Distant Student – Youth drivers living away from home attending college without a vehicle on campus may qualify for this discount.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will cut your premiums.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-96.jpg" alt="Ohio auto insurance“/>

To choose insurance companies with the best auto insurance discounts in Findlay, click here to view.

What about my local Findlay agents?

Certain consumers would prefer to visit with an insurance agent and that is a personal choice. Professional agents can point out coverage gaps and help in the event of a claim. The best thing about comparing rates online is you can get the lowest rates but also keep your business local. Buying from local insurance agencies is important particularly in Findlay.

Once you complete this simple form, your insurance data is emailed to participating agents in Findlay who will compete to get your business. You won’t need to drive around as quotes are delivered directly to your email. How cool is that?!

How to choose the best car insurance agent in Findlay

When researching an insurance agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Insurance agencies in Findlay are either captive or independent (non-captive). Both properly insure your vehicles, but it’s good to learn how they are different since it may influence your agent selection.

Independent Agents

These agents are not locked into one company but rather can write business with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.

When searching for an agent, it’s recommended you include at a minimum one independent agency to ensure the widest selection of prices.

Shown below is a list of independent agents in Findlay that may be able to provide pricing information.

Jerry Payne Insurance – 612 S Main St # 107 – Findlay, OH 45840 – (419) 423-4375
King’s Agency – 1043 Selby St – Findlay, OH 45840 – (419) 427-0858
Denny Putnam Agency – 730 W Main Cross St – Findlay, OH 45840 – (419) 422-0691
Benefit Design Agency Of Ohio – 655 Fox Run Rd # A – Findlay, OH 45840 – (419) 425-8777
Guide One Insurance – 115 E Crawford St # 1 – Findlay, OH 45840 – (419) 422-9154

Agency Captives

Captive agencies can only write with one company and some examples include AAA, Allstate and State Farm. They generally cannot shop your coverage around so they have to upsell other benefits. These agents receive extensive training on their company’s products which can be an advantage.

Listed below is a list of captive insurance agencies in Findlay that can give you comparison quotes.

State Farm Insurance – 1295 Fostoria Ave – Findlay, OH 45840 – (419) 420-7700
Farmers Insurance Group – 446 Cherry St – Findlay, OH 45840 – (419) 425-2100
Allstate Insurance Co – 610 Tiffin Ave # A – Findlay, OH 45840 – (419) 424-5580
American Family Insurance – 319 W Crawford St – Findlay, OH 45840 – (419) 425-8888

To view a complete directory of captive agents in Findlay, visit this link.

Deciding on an auto insurance agent needs to be determined by more than just the bottom line cost. Any agent should be forthright in answering these questions:

Do the coverages you’re quoting properly cover your vehicle?
Do they assist clients in filing claims?
What insurance companies do they work with?
How long has their agency been open in Findlay?
Are you getting all the discounts the company offers?
Are claim adjusters local or do you have to take your car somewhere else?
Does the agency provide any after hours assistance?

Upon getting satisfactory answers for all questions you ask and a low price estimate, chances are good that you have found an insurance agency that will properly service your auto insurance policy.

Better coverage you can count on

The cheapest auto insurance is definitely available from both online companies as well as from independent agents in Findlay, so you should compare both to have the best rate selection. A few companies 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, never buy poor coverage just to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at a price you can afford.

We just presented a lot of tips how to compare auto insurance prices online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a lesser-known regional company. These companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.

Much more information about auto insurance in Ohio is available on the website for the Ohio Department of Insurance located here. Consumers can learn about insurance regulations, file complaints about a company, view agent and company licensing information, and view a list of available companies.

The following information may also be useful.

Findlay Insurance Agencies Use the Web to Simplify your Search