Insider Advice on Cheaper Kettering Ohio Car Insurance

Purchasing cheap Kettering car insurance on the internet can seem to be problematic for consumers not familiar with comparison shopping online. Since there are so many insurance companies available, how can consumers have a chance to compare the different rates to find the cheapest rates?

It’s a good habit to compare rates once or twice a year since rates change frequently. Just because you had the lowest rates a year ago there may be better deals available now. So block out anything you think you know about car insurance because you’re going to learn one of the best ways to lower your annual insurance bill.

If you currently have car insurance, you will be able to save some money using these tips. This article will tell you how to get online quotes and some tips to save money. Although Ohio consumers do need to know how companies sell online and use this information to your advantage.

Are you getting all your discounts?

Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using.

  • Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less than less cautious drivers.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Safety Course Discount – Taking part in a driver safety course could cut 5% off your bill if you qualify.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Good Student – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you could get a free car insurance policy, you won’t be that lucky.<img class="alignright" style="padding-top:15px;" src="" alt="Kettering Ohio car insurance prices”/>

What determines how much you pay?

Consumers need to have an understanding of the different types of things that go into determining your car insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get better car insurance rates.

Listed below are some of the items that factor into your rates.

  • Tickets mean higher rates – Good drivers get better rates than people who have multiple driving citations. Only having one moving violation can increase rates twenty percent or more. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Where you reside plays a part – Being located in small towns and rural areas can save you money when talking about car insurance. Fewer drivers means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large Ohio cities have traffic congestion and longer commutes to work. More time commuting means more change of being in an accident.
  • Keep rates low by being claim-free – Insurance companies in Ohio award better rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • What type of vehicle do you drive? – The type of car you are buying insurance for makes a huge difference in your rates. The lowest base rates are usually for economy passenger cars, but the final cost of insurance is determined by many other factors.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Jobs such as judges, business owners and financial analysts tend to have higher average rates because of stressful work requirements and long work days. Conversely, occupations such as actors, engineers and homemakers receive lower rates.

Additional detailed information can be found at the Ohio Department of Insurance website. Consumers can read enforcement actions against agents and companies, read consumer alerts, discover disciplinary actions, and view agent and company licensing information.

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Online plus local equals savings

As you restructure your insurance plan, you should never skimp on coverage in order to save money. In many cases, drivers have reduced comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

Kettering Ohio insurance ad

Drivers who switch companies do it for many reasons like not issuing a premium refund, policy non-renewal, lack of trust in their agent or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching companies can be less work than you think.

We just showed you many ideas to reduce car insurance prices online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may even discover the lowest priced car insurance comes from a small local company.