Is Your Akron, OH Car Insurance Too High?

If price shopping car insurance online is new to you, it’s easy to get confused by the hoards of companies competing for business in Akron.

It’s important to price shop coverage yearly due to the fact that insurance rates go up and down regularly. Even if you think you had the best deal a few years ago a different company probably has better rates today. There is a lot of wrong information about car insurance online but I’m going to show you the easiest ways to buy car insurance cheaper.

How to Compare Akron Car Insurance Rates

Finding a lower price on insurance isn’t really that difficult. The only requirement is to spend a few minutes to compare quotes online with multiple companies. This can be accomplished using a couple different methods.

  1. The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This form eliminates the need for a different quote for each company. Taking the time to complete one form gets you price quotes from many national carriers. It’s the fastest way to compare.
  2. A slightly less efficient method to compare prices is to manually visit each individual company website and complete a new quote form. For example, let’s assume you want rates from USAA, GEICO and Farmers. 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 list of links to insurance companies in Akron, click here.

Which method you use is up to you, but compare the exact same deductibles and coverage limits on every quote. If you enter different limits and deductibles on each one then you won’t be able to find the best deal in Akron.

Discounts are basically free money

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but a few must be specifically requested in order for you to get them. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Federal Employees – Employees or retirees of the government may qualify you for a discount with a few car insurance companies.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Organization Discounts – Belonging to a professional or civic organization could qualify you for a break when buying car insurance.
  • Fewer Miles Equal More Savings – Keeping the miles down could qualify for better rates on cars that stay parked.
  • Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • No Claims – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same car insurance policy qualifies for this discount.
  • No Charge for an Accident – Certain companies allow you one accident before your rates go up if your claims history is clear for a set time period.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiration. This can save 10% or more.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will bring down your premiums.

To see a list of providers with the best car insurance discounts in Ohio, click here to view.

Additional information is available on the Ohio Department of Insurance website found here. Visitors are able to read industry bulletins, discover disciplinary actions, and read state legal mandates and laws.

Quote often and quote early

Discount car insurance is possible online in addition to many Akron insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Insureds change insurance companies for many reasons like extreme rates for teen drivers, policy non-renewal, poor customer service or lack of trust in their agent. No matter why you want to switch, finding a new car insurance company is less work than it seems.

When trying to cut insurance costs, never buy poor coverage just to save money. There are too many instances where someone sacrificed liability limits or collision coverage only to find out that it was a big mistake. Your aim should be to purchase a proper amount of coverage at an affordable rate.