Follow These Tested Ways for Paying Less for Cuyahoga Falls, OH Auto Insurance

People not familiar with comparing insurance rates online will find finding cut-rate Cuyahoga Falls auto insurance very challenging.

It’s a good habit to shop coverage around before your policy renews due to the fact that insurance rates go up and down regularly. Even if you got the best rates two years ago you can probably find a better price now. So just block out anything you think you know about auto insurance because you’re about to learn the fastest and easiest way to lower your annual insurance bill.

This information will help educate you on how to effectively get price quotes and some tips to save money. If you have car insurance now, you will be able to save some money using these techniques. Ohio drivers just need to learn the most efficient way to shop online.

Don’t miss these discounts

Car insurance can cost a lot, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be specifically requested before being credited. If you don’t get every credit you qualify for, you are throwing money away.

  • Save with a New Car – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
  • Save over 55 – Older drivers may be able to get better auto insurance rates.
  • Student Driver Training – Have your child complete a driver education course in school.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Resident Student – Any of your kids who live away from home and do not have a car may qualify for this discount.
  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.

Keep in mind that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will reduce your overall premium however.

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

Cheap Cuyahoga Falls Auto Insurance Comparisons

Finding lower auto insurance rates is actually quite simple. The only requirement is to take a couple of minutes to get quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

  1. The most efficient way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for separate quote forms for every auto insurance company. Just one form will return price quotes from multiple low-cost companies. Just one form and you’re done.
  2. Another way to get comparison quotes is to take the time to go to each company website and fill out their own quote form. For examples sake, we’ll pretend you want comparison quotes from Nationwide, State Farm and Allstate. To get rate quotes you would need to go to every website to enter your coverage information, which is why most consumers use the first method. To view a list of companies in Cuyahoga Falls, click here.

It’s your choice how you get your quotes, but make sure you use the exact same coverage limits and deductibles with every price quote. If you have different deductibles it’s impossible to make a fair comparison in Cuyahoga Falls.

Make smart decisions and save

An important part of buying insurance is that you know some of the elements that come into play when calculating your auto insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in better auto insurance rates.

The list below includes a partial list of the pieces companies use to determine premiums.

  • Men pay higher rates – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men are in accidents in similar numbers, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.
  • Safer cars cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safe vehicles protect occupants better and better occupant protection means lower claim amounts and more competitive rates for policyholders.
  • What are your deductibles? – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be a windshield shattered by a rock, vandalism, and burglary. Deductibles for physical damage are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The more you have to pay, the less your auto insurance will be.
  • How your age affects price – Teenage drivers in Ohio are known to be careless and easily distracted behind the wheel so auto insurance rates are higher. If you’ve ever had to add a young driver to your policy can be very expensive. Older drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers.
  • Discounts for married couples – Being married can actually save you money when buying auto insurance. Having a spouse usually means you are more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Bundling policies can get discounts – Many auto insurance companies give discounts to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to compare rates to verify if the discount is saving money. You may still find better rates by insuring with multiple companies.

Do drivers who switch really save $384 a year?

Ohio consumers constantly see and hear ads for cheaper car insurance by companies like State Farm, GEICO and Progressive. All the companies say the same thing that you can save if you switch to them.

But how can every company make almost identical claims?

Different companies can use profiling for the type of driver that earns them a profit. For example, a preferred risk could be between 25 and 40, owns a home, and drives newer vehicles. A customer that hits that “sweet spot” gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t qualify for the requirements must pay more money which usually ends up with business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save money. This is how companies can make those claims.

This illustrates why it is so important to get a wide range of price quotes. It’s just too difficult to predict which company will fit your personal profile best.

Buy online or local, you save

Lower-priced auto insurance can be bought online in addition to many Cuyahoga Falls insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best price while still protecting your assets.

Insureds switch companies for a variety of reasons including delays in paying claims, being labeled a high risk driver, questionable increases in premium and even extreme rates for teen drivers. It doesn’t matter why you want to switch switching companies is easier than you think.

Ohio insurance information

Much more information about auto insurance in Ohio can be found on the Ohio Department of Insurance website located here. Ohio consumers can report car insurance fraud, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

The following information may also be useful.