It takes a little time, but the best way to get affordable Lincoln MKC insurance in Cleveland is to regularly compare price quotes from insurers in Ohio.
- Get a basic knowledge of individual coverages and the things you can change to drop your rates. Many things that drive up the price such as getting speeding tickets and a less-than-favorable credit rating can be controlled by making minor changes in your lifestyle.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple sources.
- Compare the new quotes to your existing policy and see if you can save money. If you find a lower rate and buy the policy, make sure there is no coverage gap between policies.
- Notify your agent or company to cancel your existing policy. Submit payment and a signed application to the new company. Make sure you put the certificate of insurance along with the vehicle’s registration papers.
A good tip to remember is that you’ll want to compare identical limits and deductibles on each quote and and to look at as many carriers as you can. Doing this guarantees the most accurate price comparison and a good representation of prices.
A recent study showed that nearly 70% of consumers have bought insurance from the same company for a minimum of four years, and just under half have never shopped around. Consumers in America could save up to $850 a year, but they just don’t understand how much money they would save if they swap their current policy for a cheaper one.
Shopping for the lowest cost car insurance coverage in Cleveland is easy to do. If you have coverage now or just want to reduce your rates, use these tips to get lower rates without sacrificing coverage. You just have to understand the most efficient way to quote multiple rates over the internet.
Six Tips to Get More Affordable Cleveland Insurance Premiums
Consumers need to have an understanding of the different types of things that help calculate the rates you pay for insurance. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower rates.
Lower rates for married couples – Having a wife or husband can get you a discount on insurance. It is viewed as being less irresponsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
Gals tend to cost less – Statistics show women tend to be less risk to insure than men. It does not mean women are BETTER drivers than men. They both get in accidents in similar percentages, but the male of the species get into accidents with more damage. Men also tend to get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
Avoid insurance policy lapses – Having an insurance coverage lapse will be a quick way to increase your insurance rates. In addition to paying higher rates, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license.
Can a thief steal your car? – Owning a car with a theft deterrent system can help bring down rates. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.
Defend yourself with liability – The liability section of your policy will provide protection if you are responsible for damages from an accident. This coverage provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so do not skimp.
Don’t get traffic citations – Being a careful driver impacts your car insurance rates tremendously. Even one chargeable violation can increase rates by as much as thirty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers with dangerous citations such as DUI, reckless driving or excessive speeding may find they need to complete a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
Loss probability for a Lincoln MKC – Insurers analyze historical claim data to calculate a rate that will offset losses. Vehicles that have higher claim frequency or loss amount will cost more for coverage. The information below illustrates the historical loss data for Lincoln MKC vehicles.
For each insurance policy coverage type, the claim amount for all vehicles averaged together is represented as 100. Percentage values below 100 mean the vehicle has better than average losses, while numbers shown that are more than 100 point to more claims or an increased chance of a larger loss.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Lincoln MKC 4dr 2WD||97||76||69|
|Lincoln MKC 4dr 4WD||99||68||72||82|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Finding a lower price on insurance is a great way to save money. All you need to do is take time to compare rates from some recommended companies.
The companies in the list below provide free quotes in Cleveland, OH. To buy cheap auto insurance in Cleveland, OH, it’s a good idea that you get price quotes from several of them to get the most affordable price.
Car insurance just makes sense
Despite the potentially high cost of Lincoln MKC insurance, paying for car insurance may be required for several reasons.
- The majority of states have mandatory liability insurance requirements which means you are required to carry a specific level of liability if you drive a vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your MKC with a loan, most lenders will make it mandatory that you have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Lincoln at a more expensive rate and require you to pay for it.
- Car insurance protects your car and your assets. Insurance will also pay for most medical and hospital costs that are the result of an accident. One policy coverage, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay to have it repaired.
The benefits of having insurance definitely exceed the price paid, especially for larger claims. But the average American driver is currently overpaying as much as $820 a year so it’s recommended you shop around at every policy renewal to be sure current rates are still competitive.
Get cheaper rates with discounts
Auto insurance can be pricey, but you may find discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time of quoting, but less common discounts must be specially asked for before you will receive the discount.
- Auto/Life Discount – Larger insurance companies have better premium rates if you take out auto and life insurance together.
- Discount for New Cars – Putting coverage on a new MKC can save you some money because new vehicles have to meet stringent safety requirements.
- Service Members Pay Less – Having a deployed family member could qualify you for better auto insurance rates.
- Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
- ABS and Traction Control Discounts – Cars with anti-lock braking systems are safer to drive so you can save 10 percent or more.
It’s important to note that some of the credits will not apply to the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, you’re out of luck.
A list of companies and their offered discounts are outlined below.
- State Farm has savings for multiple policy, passive restraint, Drive Safe & Save, multiple autos, accident-free, and anti-theft.
- GEICO has discounts for five-year accident-free, air bags, seat belt use, driver training, multi-vehicle, and good student.
- Progressive may include discounts for continuous coverage, online signing, online quote discount, homeowner, good student, multi-policy, and multi-vehicle.
- 21st Century may offer discounts for early bird, 55 and older, homeowners, teen driver, driver training, student driver, and anti-lock brakes.
- American Family offers premium reductions for good student, mySafetyValet, bundled insurance, multi-vehicle, good driver, and TimeAway discount.
- The Hartford discounts include defensive driver, bundle, anti-theft, air bag, good student, and driver training.
- AAA includes discounts for good driver, education and occupation, anti-theft, good student, AAA membership discount, multi-car, and pay-in-full.
Check with all companies you are considering which discounts you may be entitled to. Savings might not be offered in your area. If you would like to see a list of insurers that offer discounts in Cleveland, follow this link.
Buying auto insurance from Cleveland insurance agents
Many people still prefer to get advice from a local agent and that can be a smart move Most agents will help you protect your assets and help in the event of a claim. One of the best bonuses of comparing rate quotes online is you can get cheap rate quotes but also keep your business local. And providing support for neighborhood agents is important particularly in Cleveland.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is submitted to local insurance agents in Cleveland who will give you bids for your insurance coverage. You won’t even need to even leave your home since price quotes are sent immediately to your email address. If you wish to get a rate quote from a particular provider, just go to their quote page to submit a rate quote request.
Not all auto insurance agents are the same
If you are searching for local Cleveland agents, you should know the different agency structures that differ in how they can insure your vehicles. Agents in Cleveland can be classified as either independent (non-exclusive) or exclusive. Both do a good job, but we need to point out how they differ because it may have an impact on which agent you choose.
Independent Agents (or Brokers)
Agents in the independent channel are not limited to a single company and that gives them the ability to insure with an assortment of companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to switch agencies. If you need cheaper auto insurance rates, you definitely need to get several quotes from at a minimum one independent agency for the best price selection. Many can place coverage with companies that do not advertise much which can save you money.
Shown below are independent insurance agents in Cleveland who may provide rate quotes.
- Machor Sage Insurance Agency
7379 Pearl Rd # 5 – Cleveland, OH 44130 – (440) 826-0404 – View Map
- Insurance Agency Compass
4879 Turney Rd – Cleveland, OH 44125 – (216) 341-2444 – View Map
- Lake Shore Insurance Agency
735 Beta Dr – Cleveland, OH 44143 – (440) 446-1600 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents normally can only provide a single company’s rates such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to shop your coverage around so always compare other rates. These agents are trained well on sales techniques and that enables them to sell even at higher rates. Some people will only buy from the same agent for years mostly because of loyalty to the company rather than low rates.
Listed below is a short list of exclusive insurance agents in Cleveland willing to provide price quotes.
- Allstate Insurance: Michael Wrobel
17016 Lorain Ave – Cleveland, OH 44111 – (216) 812-5413 – View Map
- Allstate Insurance: Teresa C. Paez
15105 Puritas Ave – Cleveland, OH 44135 – (216) 362-6526 – View Map
- Robert Jones – State Farm Insurance Agent
12405 Larchmere Blvd – Cleveland, OH 44120 – (216) 229-3276 – View Map
Selecting an auto insurance agent should depend on more than just the quoted price. These are some questions you should get answers to.
- Does the agent help file claims?
- Do they specialize in personal lines auto insurance in Cleveland?
- Does the agency have a current Errors and Omissions policy?
- Is the agent properly licensed in Ohio?
- Is the coverage adequate for your vehicle?
Find cheap rates by being thorough
Budget-friendly auto insurance in Cleveland is possible on the web as well as from insurance agents, so you need to quote Cleveland car insurance with both to have the best selection. Some insurance providers may not have internet price quotes and these small, regional companies only sell coverage through independent insurance agents.
You just read many ways to get a better price on Lincoln MKC insurance in Cleveland. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding the cheapest Lincoln MKC rate quotes. Consumers may even find the best price on auto insurance is with the least-expected company.
Consumers switch companies for a number of reasons such as being labeled a high risk driver, high prices, poor customer service or even not issuing a premium refund. It doesn’t matter why you want to switch finding a new auto insurance company is not as hard as you think.
To read more, take a look at these articles:
- State Car Insurance Guides (GEICO)
- How Much are Cleveland Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with a DUI in Cleveland? (FAQ)
- What Car Insurance is Cheapest for Drivers with Accidents in Cleveland? (FAQ)
- Who Has Affordable Cleveland Car Insurance Quotes for Lyft Drivers? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford F-150 in Cleveland? (FAQ)
- Who Has Cheap Auto Insurance for Ride Shares in Cleveland? (FAQ)
- How Much is Auto Insurance for State Employees in Cleveland? (FAQ)
- How Much are Cleveland Auto Insurance Quotes for a Toyota Corolla? (FAQ)
- How Much are Cleveland Car Insurance Quotes for a Nissan Altima? (FAQ)
- How Much are Car Insurance Rates for Handicapped Drivers in Cleveland? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- Distracted Driving (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)
- Side Impact Crash Tests (iihs.org)