Newark, OH Auto Insurance For Less Than You’re Paying Now

Finding better rates for Newark auto insurance can be nearly impossible for consumers new to shopping for insurance online. Consumers have so many options available that it can be a real hassle to find lower rates in Newark.

You need to shop coverage around before your policy renews because prices change quite often. Just because you found the best price on your last policy there is a good chance you can find better rates now. Ignore everything you know about auto insurance because we’re going to demonstrate one of the best ways to reduce your cost while improving coverage.

Take discounts and save

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be asked for prior to getting the savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.
  • Own a Home – Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more than their less cautious counterparts.
  • Bundle and Save – If you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Passive Restraint Discount – Vehicles with factory air bags can receive discounts of 20% or more.
  • Driver Safety – Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.

It’s important to note that most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But any discount will help reduce the amount you have to pay.

How much car insurance do I need?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining if your situation would benefit from professional advice.

  • Is my teen driver covered when they drive my company car?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Am I covered when driving someone else’s vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need added coverage for expensive stereo equipment?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Don’t I need to talk to an agent?

Some people would rather buy from a local agent and that is a personal choice. Good agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of getting online price quotes is the fact that you can find lower rates and still choose a local agent. And providing support for local insurance agencies is definitely important in Newark.

By using this simple form, the quote information is sent to agents in your area who will compete to get your business. There is no reason to leave your house since price quotes are sent to your email. It doesn’t get any easier!Car insurance in Newark

The difference between Newark insurance agents

When looking for an insurance agent, there are a couple of different types of agents that you can select. Agents are classified as either independent (non-captive) or captive. Either one can insure your vehicles, but it’s worth mentioning the differences because it can influence the selection process.

Independent Agents

These agents do not work for one specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. When comparison shopping, you should always get quotes from several independent insurance agents to have the most options to choose from. They also have the ability to place coverage with different regional companies which can save you money.

Below are Newark independent agencies who can help you get competitive price quotes.

  • Marston Insurance – 974 N 21st St # C1 – Newark, OH 43055 – (740) 366-2995
  • John F Cunningham Insurance – 240 S 2nd St – Newark, OH 43055 – (740) 349-8255
  • Campbell Agency Inc – 231 Hudson Ave – Newark, OH 43055 – (740) 345-1916
Captive Insurance Agents

Captive agents write business for a single company such as American Family, State Farm and Allstate. They generally cannot shop your coverage around so they have to upsell other benefits. Captives are well schooled on their products and sales techniques which can be an advantage. Some consumers prefer to choose to use a captive agent partially due to high brand loyalty and the convenience of having all coverages with one company.

The following is a short list of captive insurance agencies in Newark that are able to give price quote information.

  • State Farm Insurance – 974 N 21st St # B1 – Newark, OH 43055 – (740) 366-3395
  • American Family Insurance – 14 E Locust St – Newark, OH 43055 – (740) 349-7048

To view a complete directory of Newark captive insurance agencies, please go to this site.

Selecting an insurance agent needs to be determined by more than just a cheap price. Agents should be asked these questions:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • How long has their agency been in business in Newark?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Who are their largest clients?

Upon getting positive feedback to all your questions in addition to an acceptable price estimate, you’ve probably found an insurance agency that can insure your vehicles.

Much more information about auto insurance in Ohio is located on the Ohio Department of Insurance website found here. Visitors are able to find a variety of consumer forms, read industry bulletins, and find disaster information.

save money in Newark OH

More related Newark auto insurance information:

Final considerations

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. In many cases, an insured cut uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

We just covered a lot of information how to compare auto insurance prices online. It’s most important to understand that the more you quote, the higher the chance of saving money. You may even find the lowest premiums are with a lesser-known regional company.

Cheaper auto insurance is available both online in addition to many Newark insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.