8 Discounts Mansfield Shoppers Neglect when Quoting Car Insurance on the Internet

Shopping for the cheapest Mansfield car insurance over the internet may be challenging for people who are new to comparing rates online. With dozens of insurers to choose from, how can you even start to compare every one to find the lowest price?

Shopping for the cheapest protection in Mansfield is simple if you know the tricks. If you are insured now or are just looking to switch companies, you will benefit by learning to get lower rates while maintaining coverages. Ohio consumers only need to know the most effective way to get comparison quotes on the web.

How to Compare Car Insurance Costs in Mansfield

Getting a lower price on insurance is actually quite simple. The only thing you need to do is invest a little time to compare rate quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The most efficient way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do separate forms for each company. One form submission will return price quotes . It’s the fastest way to compare.
  2. A slightly less efficient method to compare prices requires visiting each individual company website and complete a new quote form. For example, let’s say you want to compare rates from Farmers, Safeco and GEICO. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is quicker. For a handy list of car insurance company links in Mansfield, click here.
  3. The most time-consuming way to get comparison rates is driving around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the professional guidance that only a license agent can provide. However, consumers can get prices online and still use a local agent and we’ll cover that in a bit.

It’s your choice how you get your quotes, but be sure to compare identical information for each comparison quote. If you use unequal deductibles or liability limits you can’t possibly truly determine the lowest rate in Mansfield.

Lots of discounts mean lots of savings

Properly insuring your vehicles can get expensive, but companies offer discounts to help bring down the price. A few discounts will automatically apply when you purchase, but some must be manually applied prior to getting the savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Resident Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Memberships – Belonging to certain professional organizations could qualify you for a break on your policy.
  • Driver’s Ed – Have your child take driver’s ed class in high school.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.

Consumers should know that most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurers who offer car insurance discounts in Ohio, click here to view.

Your insurance agent down the street

Some consumers would rather get advice from a local agent and that is just fine! Educated insurance agents can help determine the best coverages and help you file claims. One of the best bonuses of comparing insurance prices online is you can get the lowest rates and still have an agent to talk to. And supporting local insurance agencies is important especially in Mansfield.

Once you complete this quick form, your insurance coverage information is transmitted to insurance agents in Mansfield who will compete for your insurance coverage. There is no need to drive around because quoted prices will be sent to the email address you provide.

Choose an insurance agent wisely

When researching local Mansfield agents, you must know there are a couple different agency structures to choose from. Insurance agencies in Mansfield are either independent or captive. Either one can insure your vehicles, but it’s worth mentioning the difference between them since it may influence the type of agent you choose

Independent Agents

These agents are not required to write business for one company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally without you having to go to a different agency. When searching for an agent, it’s a good idea to get quotes from at least one independent agent to have the most options to choose from.Most can insure with smaller companies which can be an advantage.

Listed below is a list of independent insurance agencies in Mansfield that are able to give competitive price quotes.

  • Richard Weemhoff Agency – 166 Park Ave W # 201 – Mansfield, OH 44902 – (419) 525-1181
  • Midland-Hatch Agency – 1221 S Trimble Rd # A3 – Mansfield, OH 44907 – (419) 756-9747
  • Gardner Insurance – 1050 Lexington Ave – Mansfield, OH 44907 – (419) 756-8910
  • Laughlin and Young Insurance – 324 Lexington Ave – Mansfield, OH 44907 – (419) 756-7997
  • Harry L Hall Agency – 28 Park Ave W # 707 – Mansfield, OH 44902 – (419) 524-2134
Captive Agents

Captive agencies work for only one company like State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. They are very knowledgeable in insurance sales which can be an advantage. Some consumers prefer to buy from captive agents mostly because of loyalty to the company and strong financial ratings.

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

  • State Farm Insurance – 39 Lexington Ave – Mansfield, OH 44907 – (419) 525-0679
  • American Family Insurance – 1138 Lexington Ave – Mansfield, OH 44907 – (419) 756-0777
  • Allstate Insurance – 2291 Village Park Ct – Mansfield, OH 44906 – (419) 747-2223

For a complete listing of captive agencies in Mansfield, visit this site.save money in Ohio

Deciding on an insurance agency should depend on more than just a low price. Ask your prospective agent these questions:

  • Does the company allow you to choose your own collision repair facility?
  • Do they specialize in personal lines coverage?
  • Do they feel the quoted coverages are adequate?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Can they give you a list of client referrals?
  • Is vehicle damage repaired with OEM or aftermarket parts?

Upon receiving reasonable responses to your questions and an acceptable price quote, most likely you have located an insurance agent that can properly insure your vehicles. Keep in mind consumers can cancel coverage whenever you wish so don’t think you’re contractually obligated to any particular company with no way out.

Much more information about car insurance in Ohio is available on the Ohio Department of Insurance website located here. Visitors are able to get help finding coverage, find disaster information, file complaints about an insurance agent or broker, and learn about insurance regulations.

The following information may also be useful.

Don’t listen to company ads

Consumers constantly see and hear ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all seem to make the same claim that you can save if you switch your policy.

How can each company make the same claim?

All companies can use profiling for the type of customer they prefer to insure. A good example of a driver they prefer might be profiled as over the age of 50, has no driving citations, and has a short commute. Any new insured who matches those parameters will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t qualify for the “perfect” profile will be quoted higher prices and ends up with business going elsewhere. The ads state “customers that switch” not “people who quote” save that kind of money. That’s why companies can truthfully advertise the savings.

This emphasizes why it’s extremely important to get as many comparisons as possible. You cannot predict the company that will give you the biggest savings.

Specifics of your car insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, falling objects and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many Ohio drivers only carry the minimum required liability limits (Ohio limits are 12,500/25/7,500), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability – Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Mansfield Ohio insurance cheap

Liability coverage protects against claims such as medical services, legal defense fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford. Ohio requires minimum liability limits of 12,500/25,000/7,500 but you should consider buying better liability coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses for things like chiropractic care, dental work, pain medications, ambulance fees and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage pays for damage to your vehicle caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, colliding with another moving vehicle, hitting a mailbox, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

One last thing

You just read many ideas to get a better price on car insurance. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may even find the lowest rates come from a small local company.

Cheap car insurance can be found both online and also from your neighborhood Mansfield agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

Insureds change insurance companies for many reasons like policy cancellation, policy non-renewal, delays in responding to claim requests and even unfair underwriting practices. Whatever your reason, choosing a new insurance company is less work than it seems.