Never Compare Kettering Car Insurance Without Knowing These Money Saving Tips

Perplexed by the wide range of car insurance choices in Kettering? Many other drivers are as well. People have so many companies to choose from that it can quickly become a ton of work to find better rates.

Finding the best rates in Kettering is quite easy. If you are insured now or are shopping for new coverage, you will benefit by learning to cut your premiums while maintaining coverages. Ohio consumers only need to know the proper way to shop for car insurance online.

Verify you’re getting all your discounts

Companies don’t necessarily list all available discounts very clearly, so we researched both the well known as well as the least known ways to save on car insurance. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Save over 55 – If you qualify as a senior citizen, you may receive a discount up to 10%.
  • Passive Restraint Discount – Cars that have air bags can qualify for discounts of up to 25% or more.
  • Organization Discounts – Belonging to a professional or civic organization could trigger savings when buying car insurance.
  • Safe Drivers – Safe drivers can pay as much as 50% less than drivers with accidents.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

Buying car insurance locally

A small number of people would prefer to buy from a local agent and that is just fine! Professional agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of comparing insurance prices online is you can get lower rates and still choose a local agent.

Once you complete this simple form, your information is emailed to companies in Kettering who will battle for your insurance coverage. There is no need to even leave your home since price quotes are sent to the email address you provide. It doesn’t get any easier!

Selecting an insurance company should depend on more than just a cheap price. Some important questions to ask are:

  • How long have they worked with personal auto insurance coverage?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

How to choose the best auto insurance agent in Kettering

When finding a good Kettering insurance agent, you must know there are a couple different agency structures that you can select. Kettering agents can either be independent (non-captive) or captive. Both types can properly insure your vehicles, but it’s good to learn how they differ since it may influence your agent selection.

Captive Insurance Agents

Captive insurance agents write business for a single company such as Allstate, Farmers Insurance or State Farm. They usually cannot shop your coverage around so they have no alternatives for high prices. Captives are trained well on the products they sell which helps them compete with independent agents. Consumers often choose to use a captive agent partially due to the prominence of the brand and strong financial ratings.Kettering OH car insurance

Listed below are Kettering captive insurance agents that are able to give price quotes.

  • State Farm Insurance – 1450 E David Rd # 1b – Kettering, OH 45429 – (937) 435-2414
  • American Family Insurance – 42 E Rahn Rd # 200 – Kettering, OH 45429 – (937) 434-6554
  • Farmers Insurance Group – 580 Lincoln Park Blvd # 399 – Kettering, OH 45429 – (937) 424-0643
Independent Agents

Independent agents do not work for one specific company but rather can write business amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies and that require little work on your part. When comparison shopping, it’s recommended you contact at a minimum one independent agency to get the best comparison. They often place coverage with lesser-known insurance companies which may provide better rates.

The following are independent insurance agencies in Kettering that can give you comparison quotes.

  • Disalvo Agency – 313 E Stroop Rd – Kettering, OH 45429 – (937) 293-3238
  • Nationwide Insurance – 5250 Far Hills Ave – Kettering, OH 45429 – (937) 293-3238
  • Wertz Agency – 5975 Kentshire Dr – Kettering, OH 45440 – (937) 434-8770
  • Delaney Insurance – 3620 Wilmington Pike – Kettering, OH 45429 – (937) 294-2182

For a complete listing of car insurance agents in Kettering, click here to link.

Upon getting positive responses for all questions you ask and an acceptable price quote, you may have just found an insurance agent that is a good match to properly insure your vehicles.

Is there deception in advertising?

Consumers constantly see and hear ads for the lowest price auto insurance by State Farm and Allstate. They all seem to make the same claim that you can save if you switch to their company.

How do they all make the same claim?

Different companies are able to cherry pick for the driver that makes them money. An example of a profitable customer could be over the age of 40, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who fall outside the requirements will be charged a more expensive rate which usually ends up with the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save money. That’s why insurance companies can confidently advertise the way they do. That is why it is so important to get as many comparisons as possible. It’s just too difficult to predict which company will give you the biggest savings.

Kettering OH car insurance

Additional Ohio car insurance resources

Even more information is located at the Ohio Department of Insurance website. Visitors are able to report car insurance fraud, learn about insurance regulations, learn about specific coverages, and read enforcement actions against agents and companies.

More related Kettering car insurance information:

More comparisons equals lower rates

Cheaper car insurance is definitely available from both online companies in addition to many Kettering insurance agents, and you need to price shop both to get a complete price analysis. Some car insurance companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

You just read some good ideas how you can shop for car insurance online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with a lesser-known regional company.

When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice full coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price.