Compare Dayton, OH Auto Insurance at a Discount With These Tips

Have you fallen victim to an underperforming, overpriced auto insurance policy? Trust us, there are many Dayton consumers feeling the pinch from expensive auto insurance.

You have multiple auto insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it makes it harder to find the lowest rates.

You need to get comparison quotes once or twice a year since rates tend to go up over time. Just because you found the lowest rates a couple years back you will most likely find a better rate today. There is a lot of wrong information about auto insurance on the internet, so by reading this article, you’re going to learn some great ideas on how to stop overpaying for insurance.

Don’t overlook these discounts

Companies don’t always list every discount very clearly, so we took the time to find some of the more common and the harder-to-find ways to save on auto insurance.

  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less than drivers with accident claims.
  • E-sign – A few companies will give a small break for buying your policy over the internet.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for reduced rates.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Just because you may think you could get a free auto insurance policy, it just doesn’t work that way.

For a list of providers who offer auto insurance discounts in Dayton, click this rates in Dayton OH

Cheap Dayton Auto Insurance Comparisons

All the larger auto insurance companies give coverage price quotes directly from their websites. Getting online quotes is quite easy as you simply enter the coverage amounts you desire as detailed in the form. Once you submit the form, their rating system gets your driving and credit reports and generates pricing information based on these and other factors. Quoting online simplifies rate comparisons, but the time it takes to visit different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible in order to find better prices.

There is a better way!

The quickest way to lower your rates requires only one form to get prices from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes online price comparison much more enjoyable. Once the form is submitted, it gets priced and you can choose your choice of the returned quotes. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. It can be completed in a matter of minutes and you will know how your current rates stack up.

If you want to compare rates now, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy coverages and limits as close as possible to your current policy. This makes sure you will be getting a rate comparison based on identical coverages.

Informed Drivers can Cut Their Rates

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

  • Tickets mean higher rates – Your driving citation history has a huge affect on how much you pay. Just one ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Drivers who have severe citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Marriage pays dividends – Being married can get you a discount on your policy. Having a spouse translates into being more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims are colliding with a building, damage from fire, and windstorm damage. The more expense you’re willing to pay, the lower your rates will be.
  • How your age affects price – Youthful drivers in Ohio have a tendency to be careless and easily distracted when driving so they pay higher auto insurance rates. Having to add a young driver onto a policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and get fewer tickets.
  • Bundling policies can get discounts – The majority of insurance companies will give a discount to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. If you currently are using one company, you may still want to compare rates to make sure you are getting the best deal. Consumers may find better rates by buying auto insurance from a different company.
  • Lower rates with optional equipment – Owning a car with an alarm system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • High credit ratings translate to low rates – Your credit score is a large factor in calculating your auto insurance rates. People with good credit tend to be more responsible than drivers who have lower credit scores. So if your credit history is low, you could save money insuring your by improving your credit score.
  • Do you need those extra coverages? – There are a ton of add-on coverages that you can get tricked into buying when buying auto insurance. Coverages for personal injury protection, accidental death and membership fees may be wasting your money. They may seem like a good idea initially, but your needs may have changed so eliminate them to save money.

Is my situation unique?

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different and your policy should reflect that. For example, these questions may help highlight if your situation might need professional guidance.

  • What vehicles should carry emergency assistance coverage?
  • Is my custom paint covered by insurance?
  • What can I do if my company denied a claim?
  • Is rental equipment covered for theft or damage?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if I wreck a rental car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I getting all the discounts available?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

compare rates in Dayton OH

In conclusion

We just covered some good ideas how to reduce auto insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from an unexpected company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Ohio auto insurance information

More tips and info about auto insurance is available at the Ohio Department of Insurance website. Visitors are able to read consumer alerts, report car insurance fraud, and read state legal mandates and laws.