Lowest Car Insurance Exclusively for Youngstown Ohio Residents

Perplexed by the sheer number of car insurance companies in Youngstown? Many other consumers are too. Consumers have so many companies to choose from that it can be more work than you anticipated to find lower rates.

How to Compare Car Insurance in Youngstown

When shopping for car insurance there are multiple ways of comparing rate quotes from local in Youngstowncar insurance companies. The easiest way to find the lowest rates is simply to get online rate quotes. This is very easy and can be done in several different ways.

Probably the best way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do repetitive form entry for each company you want a rate for. One simple form gets rate comparisons from multiple low-cost companies. It’s definitely the quickest method.

A less efficient way to find lower rates is going to the website of each company and request a quote. For sake of this example, we’ll pretend you want comparison quotes from USAA, Liberty Mutual and State Farm. You would have to take the time to go to each site and enter your information, and that’s why the first method is more popular.

For a handy list of car insurance company links in Youngstown, click here.

The most time-consuming way of getting rate comparisons is to drive around to insurance agents’ offices. Shopping for car insurance online eliminates the need for an insurance agent unless you require the professional advice that only a license agent can provide. You can, however, find lower rates online and still use a local agent and we’ll talk about that later.

However you get your quotes, double check that you are using apples-to-apples coverages for every quote you compare. If you compare different values for each quote it will be next to impossible to determine the lowest rate in Youngstown. Quoting even small variations in coverages may result in large price differences. Keep in mind that quoting more helps locate a lower rate.

Companies offer discounts so take them!

Companies that sell car insurance don’t necessarily list all available discounts very clearly, so we took the time to find both the well known as well as the least known car insurance savings.

  • Payment Method – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Save with a New Car – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% depending on your company.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Bundle and Save – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Defensive Driving Course – Completing a driver safety course could save 5% or more if you qualify.
  • Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

Comparing rates from local agents

Some consumers would rather get advice from a local agent. The best thing about getting online price quotes is you may find lower rates but still work with a licensed agent.

Upon completion of this simple form, your coverage information is sent to local insurance agents in Youngstown who will return price quotes for your insurance coverage. You never need to leave your computer due to the fact that quote results will go immediately to your email address. How cool is that?! You can find the lowest rates and a licensed agent to work with.

Deciding on an insurance company requires more thought than just the premium amount. Any agent should be forthright in answering these questions:

  • What are the financial ratings for the companies they represent?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Are you getting all the discounts the company offers?

What type of Youngstown insurance agency is right for you?

When searching for an insurance agent, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Youngstown agents can either be captive or independent (non-captive).

Captive Insurance Agents

Captive agencies write business for a single company like State Farm, AAA and Liberty Mutual. They generally cannot give you multiple price quotes so they are skilled at selling on more than just price. They are well schooled on their company’s products which can be an advantage. Consumers frequently buy from captive agents partially due to high brand loyalty and the convenience of having a single billing for all their coverages.

The following is a short list of captive insurance agencies in Youngstown who may provide you with price quote information.

  • State Farm Insurance – 7330 Southern Blvd # 7 – Youngstown, OH 44512 – (330) 758-4067
  • American Family Insurance – 80 Westchester Dr – Youngstown, OH 44515 – (330) 792-4900
  • Allstate Insurance – 1775 E Western Reserve Rd # A – Youngstown, OH 44514 – (330) 757-3750
Independent Agents (or Brokers)

These agents do not work for one specific company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent. When searching for an agent, it’s recommended you include several independent insurance agents for maximum quote selection.Many can place coverage with smaller companies who may have lower rates.

Listed below are Youngstown independent insurance agents who can help you get rate quotes.

  • Al Skornicka Agency – 25 Idlewood Rd – Youngstown, OH 44515 – (330) 793-1984
  • Champion Insurance – 25 N Canfield Niles Rd – Youngstown, OH 44515 – (330) 797-9500
  • Acceptance Insurance Agency – 425 Boardman Canfield Rd – Youngstown, OH 44512 – (330) 629-7610
  • Nationwide Insurance – 21 N Wickliffe Cir – Youngstown, OH 44515 – (330) 792-4222
  • Watt Agency – 4305 Market St – Youngstown, OH 44512 – (330) 755-2145

To view a complete directory of car insurance agents in Youngstown, view this link.

Once you have reasonable responses to any questions you have and an affordable coverage quote, chances are good that you have found an insurance agency that meets your needs to properly insure your vehicles.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether or not you would benefit from professional advice.

Ohio car insurance

  • What is the difference between comprehensive and collision coverage?
  • Is there coverage for injuries to my pets?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is the minimum liability in Ohio?
  • Does my vehicle qualify for pleasure use?
  • Can I afford to buy a different vehicle if my vehicle is totaled?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Even more information can be read at the Ohio Department of Insurance website. Ohio consumers can discover disciplinary actions, learn about insurance regulations, learn about specific coverages, and find a variety of consumer forms.

Affordable insurance is out there

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

You just read many ideas to compare car insurance prices online. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even discover the lowest rates come from a lesser-known regional company.

Discount car insurance is definitely available from both online companies in addition to many Youngstown insurance agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.