Wasting Money on Car Insurance in Columbus? Here’s How to Save!

Are you tired of not being able to afford to buy car insurance? Your situation is no different than millions of other consumers.

Lots of auto insurance companies contend to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the definite lowest price

Consumers should take time to compare prices once or twice a year since rates trend upward over time. Just because you found the lowest price on your last policy you can probably find a better price now. There is a lot of bad advice regarding car insurance on the web, but with this article, you’re going to get a bunch of ideas how to find affordable car insurance.

Low Cost Columbus Car Insurance

All the larger car insurance companies give prices for coverage online. Obtaining pricing doesn’t take much effort as you simply type in your coverage preferences into the quote form. When the form is submitted, their rating system will obtain credit information and your driving record and provides a quote. This helps simplify price comparisons, but having to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it is imperative to do this in order to get the best price possible.

An easier way to compare car insurance pricing is to use a quote form that analyzes rates from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable. As soon as the form is sent, your coverage is rated and you can select any or none of the quote results.

If you find a better price you simply finish the application and purchase coverage. The whole process can be completed in less than 10 minutes and you’ll know if lower rates are available.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-61.jpg" alt="Auto insurance in Columbus Ohio” />

In order to find out what other companies charge, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you duplicate deductibles and limits as shown on your current policy. Doing this assures you will have a price comparison using the same coverage and limits.

Don’t miss these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be asked about before you will receive the discount.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • One Accident Forgiven – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Resident Student – Any of your kids living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Club Memberships – Belonging to certain professional organizations may earn a discount on car insurance.
  • No Claims – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Good Student Discount – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Paperwork-free – A handful of insurance companies give back up to $50 just for signing your application over the internet.

It’s important to note that most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, companies wouldn’t make money that way. Any qualifying discounts will cut the cost of coverage.

To choose companies who offer car insurance discounts in Columbus, click here to view.

Which insurance is the “right” coverage?

When choosing proper insurance coverage, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

Car insurance in Columbus Ohio

  • Does my liability insurance cover pulling a trailer or camper?
  • Is business equipment covered while in my vehicle?
  • Why am I required to buy high-risk coverage?
  • Should I rate my vehicle as pleasure use or commute?
  • Am I covered if I crash into my own garage door?
  • Do I qualify for additional discounts?
  • At what point should I drop full coverage?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Informative consumer insurance sites

More information is available on the website for the Ohio Department of Insurance. Click here for link. Ohio drivers can file complaints about a company, find a variety of consumer forms, find out which companies have the most complaints, and read industry bulletins.

Other informative sites include Wikipedia and this list of insurance agents in Columbus, OH.