Easy Methods to Pay Less on Fairfield Auto Insurance

Have you had enough of scraping the payment together to insure your vehicles every month? Your situation is no different than the majority of other car owners in Ohio. Multiple insurance companies compete for your business, and it can be difficult to compare rates to get the cheapest price

If you have insurance now or need new coverage, you can use these tips to find better prices while maintaining coverages. Buying car insurance in Fairfield is easy if you know what you’re doing. Ohio drivers just need to learn the proper methods to compare prices online.

These discounts can lower your rates

Insurance can be prohibitively expensive, but there could be available discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but some must be specially asked for before being credited. If you’re not getting every credit you qualify for, you are throwing money away.

  • Senior Citizens – Mature drivers may qualify for reduced rates.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
  • Accident Waiver – A few companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates on your policy.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any amount of discount will cut the amount you have to pay.

For a list of insurers offering auto insurance discounts in Fairfield, follow this link.

Understand what determines the rate you pay

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that will entitle you to big savings.

  • Equipment add-ons that lower auto insurance rates – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • High credit ratings translate to low rates – A driver’s credit rating is a important factor in your rate calculation. Drivers with high credit scores tend to file fewer claims and have better driving records than those with poor credit. If your credit history can use some improvement, you could potentially save money when insuring your by spending a little time repairing your credit.
  • Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you if ever a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Cautious drivers pay less – Your driving record has a huge affect on how much you pay. Even a single citation may increase your cost forty percent or more. Drivers with clean records receive lower rates than bad drivers. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to continue driving.
  • More than one policy can earn a discount – Most auto insurance companies will give a discount to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to shop around to ensure the best deal.

Car insurance is unique, just like you

When it comes to choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out if your situation could use an agent’s help.

  • What is high-risk coverage and where do I buy it?
  • What is the minimum liability in Ohio?
  • Where can I get insurance after a DUI in Ohio?
  • What if I total my vehicle and owe more than it’s worth?
  • Do I need medical payments coverage since I have good health insurance?
  • Is there coverage for injuries to my pets?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When would I need additional glass coverage?
  • What if I don’t agree with a claim settlement offer?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Compare online but buy from a local Fairfield agent

A small number of people would prefer to get advice from a local agent and there is nothing wrong with that. Licensed agents can answer important questions and help submit paperwork. The best thing about comparing insurance prices online is the fact that you can find lower rates but still work with a licensed agent. Buying from local businesses is definitely important in Fairfield.Fairfield OH insurance comparisons

After completing this form (opens in new window), your insurance data is emailed to agents in your area who will compete for your insurance coverage. You never need to drive around since price quotes are sent straight to your inbox. How cool is that?!

The following are Fairfield insurers that are able to give price quote information.

White & Williams Agency LTD – 5120 Pleasant Ave, Fairfield, OH 45014 – (513) 829-2255
Allstate Insurance Co – 6660 Dixie Hwy # 103, Fairfield, OH 45014 – (513) 860-1990
State Farm Insurance – 3775 Woodridge Blvd, Fairfield, OH 45014 – (513) 870-9080
Cincinnati Insurance – 8451 Ethan Ct, Fairfield, OH 45014 – (513) 942-2478
Nationwide Insurance – 5380 Pleasant Ave # 4c, Fairfield, OH 45014 – (513) 858-4310
Farmers Insurance Group – 6660 Dixie Hwy, Fairfield, OH 45014 – (513) 874-0001

Choosing an insurance company requires more thought than just the bottom line cost. Agents should be asked these questions:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Do they specialize in personal lines coverage?
  • How many years of experience in personal lines insurance coverages do they have?

Once you have received satisfactory answers and locked in a price quote, you may have just found an insurer that is a good match to insure your vehicles.

Misconceptions in auto insurance advertisements

Consumers get pounded daily by advertisements for car insurance savings by Allstate, GEICO and Progressive. They all have a common claim that you’ll save big if you move to their company.

How can each company make the same claim? It’s all in the numbers.

Different companies can use profiling for the type of driver that makes them money. An example of a desirable insured could be between 25 and 40, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote who fits that profile is entitled to the best price and therefore will pay quite a bit less when switching companies.

Potential insureds who are not a match for the requirements will be quoted higher prices which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently advertise the way they do.

This emphasizes why it’s extremely important to quote coverage with many companies. It’s impossible to know which insurance companies will provide you with the cheapest rates.

Find out more about auto insurance

Much more information about auto insurance in Ohio can be read on the website for the Ohio Department of Insurance found here. Ohio consumers can find a variety of consumer forms, file complaints about an insurance agent or broker, and learn about insurance regulations.

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Smart shoppers get results

In this article, we presented some good ideas how to shop for auto insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the lowest rates come from a company that doesn’t do a lot of advertising. They can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

When shopping online for auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice collision coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at an affordable rate, not the least amount of coverage.

Affordable auto insurance can be bought from both online companies and also from your neighborhood Fairfield agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.