Insider Tricks to Paying Less for Dublin, OH Car Insurance
Using the web to shop for Dublin car insurance is challenging if you’re new to online quotes. But relax because finding affordable coverage online is easier than you think.
Policy discounts you shouldn’t miss
Companies don’t list all available discounts very well, so we researched some of the more common and the more hidden discounts you could be receiving.
- Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
- Memberships – Participating in a professional or civic organization could qualify you for a break when shopping for car insurance.
- Sign Online – A few companies may give you up to $50 just for signing your application online.
- New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
- College Student – Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.
- Anti-theft System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
- Low Mileage Discounts – Fewer annual miles can earn lower rates on the low mileage vehicles.
A little note about advertised discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous.
To choose insurers with the best car insurance discounts in Dublin, follow this link.
Free Quotes for Car Insurance in Dublin
Most major insurance companies allow you to get price estimates on their websites. Getting online rates doesn’t take much effort as you just type in the coverages you want as detailed in the form. After you complete the form, their rating system makes automated requests for your driving record and credit report and quotes a price determined by many factors.
This makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible in order to get a better rate.
Compare rates the easy way
The easiest way to lower your car insurance bill is to use a quote form that gets prices from a lot of companies. The form is fast, requires much less work on your part, and makes online price comparison much more efficient. Immediately after you send the form, it is quoted and you can select your choice of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and buy the policy. The whole process takes 15 minutes at the most and you will know how your current rates stack up.
To get comparison pricing now, click here and begin entering your coverage information. If you have coverage now, it’s recommended that you enter deductibles and limits identical to your current policy. This ensures you’re receiving a rate comparison using the same coverage and limits.
Smart Buyers can Save Money
It’s important that you understand the rating factors that go into determining the rates you pay for car insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get big savings.
- More miles equals more premium – The more miles you rack up on your car in a year the higher your rates will be. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates than vehicles that are driven to work every day. Ask your agent if your car insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
- Men fork out a little more – The statistics show women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. They both are in accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as reckless driving.
- Do you work long hours in a high stress job? – Jobs such as judges, business owners and stock brokers are shown to have the highest rates in part from high stress levels and lots of time spent at work. On the other hand, professions such as scientists, students and the unemployed pay the least.
- Little extras can really add up – There are many additional coverages that you can get tricked into buying if you aren’t careful. Coverages like rental car reimbursement, accidental death and additional equipment coverage may be costing you every month. These coverages may sound good when you first buy your policy, but now you might not need them so get rid of them and save.
Quote online but still have a local agent
A small number of people would prefer to sit down with an agent and that is a personal choice. The biggest benefit of comparing insurance prices online is you can get the best rates but also keep your business local.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is sent to local insurance agents who will battle for your insurance coverage. You won’t need to drive around as quotes are delivered immediately to your email address. How’s that for easy! Get lower rates and an insurance agent to talk to.
Choosing an provider needs to be determined by more than just a low price. Here are some questions to ask:
- How many years of experience in personal lines insurance coverages do they have?
- Did they already check your driving record and credit reports?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What are the financial ratings for the companies they represent?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will your rates increase after a single accident?
The type of car insurance agent you choose is important
When searching for a good insurance agency, you need to know there are two types of insurance agents to choose from. Dublin agents are categorized either captive or independent.
Captive Agents
This type of agents are contracted to one company like Allstate, State Farm and Farmers Insurance. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Consumers sometimes purchase coverage from captives mainly due to the brand legacy and the convenience of having a single billing for all their coverages.
Below is a short list of captive insurance agents in Dublin willing to provide price quote information.
- Allstate Insurance – 7155 Post Rd # 2 – Dublin, OH 43016 – (614) 766-2200
- American Family Insurance – 5152 Blazer Pkwy – Dublin, OH 43017 – (614) 792-7720
- State Farm Insurance – 5900 Venture Dr # D – Dublin, OH 43017 – (614) 799-9999
- Farmers Insurance Group – 6063 Frantz Rd – Dublin, OH 43017 – (614) 798-1377
Independent Agents
Independent agents are not locked into one company but rather can write business with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.
When searching for an agent, you should always get quotes from at least one independent agent to ensure the widest selection of prices. They often place coverage with different regional companies which may provide better rates.
Listed below are independent agencies in Dublin that are able to give comparison quotes.
- Shawan-Marquis Agency Inc – 425 Metro Pl N # 140 – Dublin, OH 43017 – (614) 889-0250
- Colemont Insurance Brokers – 6465 Reflections Dr – Dublin, OH 43017 – (614) 798-9343
- Nationwide Insurance – 114 S High St – Dublin, OH 43017 – (614) 792-3750
- John Hinterschied Agency – 2751 Tuller Pkwy # 110 – Dublin, OH 43017 – (614) 336-9034
- Gary Springer Agency – 5995 Wilcox Pl # C – Dublin, OH 43016 – (614) 764-9311
To view a complete directory of licensed insurance agents in Dublin, please view this page.
After getting satisfactory answers for all questions you ask as well as a affordable price, you have narrowed it down to an insurance agent that can insure your vehicles.
The best insurance company isn’t always the cheapest
We just showed you many ideas to shop for car insurance online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with the least-expected company.
Drivers switch companies for a variety of reasons including delays in responding to claim requests, denial of a claim, extreme rates for teen drivers or even delays in paying claims. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.
Lower-priced car insurance is available on the web and also from your neighborhood Dublin agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.
Informative consumer insurance sites
Additional detailed information can be read at the Ohio Department of Insurance website. Ohio consumers can view a list of available companies, read state legal mandates and laws, discover disciplinary actions, and learn about specific coverages.
The articles below may also help you learn more about car insurance in Dublin