Easy Techniques to Save Money on Findlay Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are many Findlay consumers feeling the pinch from expensive auto insurance. You have multiple auto insurance companies to choose from, and although it’s nice to have multiple companies, it can be more challenging to get the best deal.

Don’t overlook these discounts

Companies that sell car insurance don’t always publicize every discount in an easy-to-find place, so we break down some of the best known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Keeping the miles down could qualify for a substantially lower rate.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less than their less cautious counterparts.
  • Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

It’s important to understand that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

To choose companies with discount auto insurance rates in Ohio, click here.

You may need specialized coverage

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

  • Am I getting all the discounts available?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Are my tools covered if they get stolen from my vehicle?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Quote online but still have a local agent

Some consumers just want to talk to a local agent and that is a personal choice. Professional agents can answer important questions and help you file claims. One of the great benefits of getting online price quotes is you can get the lowest rates but also keep your business local.

To help locate an agent, after submitting this simple form, your information is immediately sent to companies in Findlay who will give you bids for your coverage. You never need to drive around since price quotes are sent directly to your email. How’s that for easy!

Picking a company should depend on more than just the price. Ask your prospective agent these questions:

  • What are the financial ratings for the companies they represent?
  • Are claims handled at the agent’s location?
  • Do they carry Errors and Omissions coverage?
  • Do they make recommendations based only on price?
  • Is the agency involved in supporting local community causes?
  • Do they specialize in personal lines coverage?
  • What insurance companies do they recommend if they are an independent agent?
  • How long has their agency been open in Findlay?

Different types of insurance agents in Findlay

If you’re trying to find a good insurance agency, there are two different agency structures to choose from. Findlay agents are categorized either captive or independent (non-captive). Either one can properly insure your vehicles, but it’s worth learning the differences since it may influence your selection of an agent.

Captive Insurance Agents

Captive agencies can only place business with one company and examples are AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to compare other company’s rates so keep that in mind. Captive agents are usually quite knowledgeable on their products and sales techniques which can be an advantage.

Shown below is a list of captive insurance agents in Findlay that are able to give price quotes.

Allstate Insurance – 2401 N Main St – Findlay, OH 45840 – (419) 422-5250
State Farm Insurance – 319 N Blanchard St – Findlay, OH 45840 – (419) 422-3914
Farmers Insurance Group – 626 Dayton Ave – Findlay, OH 45840 – (419) 425-0346
American Family Insurance – 2459 S Main St – Findlay, OH 45840 – (419) 425-5300

Independent Agents (or Brokers)

Independent agents are not employed by any specific company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent.

When comparison shopping, it’s recommended you include at a minimum one independent agency to ensure the widest selection of prices.

Shown below is a list of independent insurance agencies in Findlay who can help you get comparison quotes.

Mc Clarren Agency – 514 Mcmanness Ave # 6 – Findlay, OH 45840 – (419) 423-4075
Benefit Design Agency Of Ohio – 655 Fox Run Rd # A – Findlay, OH 45840 – (419) 425-8777
Anast-Yates Insurance – 314 W Main Cross St – Findlay, OH 45840 – (419) 422-3453
Guide One Insurance – 115 E Crawford St # 1 – Findlay, OH 45840 – (419) 422-9154
Andrew Fry Agency – 931 Tiffin Ave – Findlay, OH 45840 – (419) 423-4075

Findlay OH insurance prices

To view a complete directory of Findlay insurance agents, visit this site.

Once you have received positive responses to your questions and an affordable coverage quote, chances are good that you have found an insurance agent that will adequately provide auto insurance.

Even more information is available at the Ohio Department of Insurance website. Ohio drivers can learn about specific coverages, learn about insurance regulations, and read consumer alerts.

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Smart consumers save more

Discount auto insurance is definitely available both online in addition to many Findlay insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

We just covered many ways to get a better price on auto insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.