Cheap Quotes on Cleveland Auto Insurance

Want to know an easy way to compare more competitive insurance rates in Cleveland, OH? Having to pay for high-priced insurance in Cleveland can dry up your budget and force you to make tough financial choices. Doing a rate analysis can be a smart way to slash your bill and have more diposable income.

It’s safe to assume that auto insurance companies don’t want their policyholders to compare prices. People who shop around once a year will, in all likelihood, buy a different policy because of the high probability of finding lower prices. A recent study showed that drivers who regularly shopped around saved about $3,400 over four years compared to people who didn’t regularly shop around.

If finding the best price on insurance in Cleveland is your target objective, then having a good understanding the best way to shop and compare insurance coverage can make it easier for you to save money.

Steps to buying lower priced car insurance in Cleveland

The preferred way to get budget car insurance prices in Cleveland is to regularly compare quotes from providers in Ohio. You can shop around by following these steps.

1. Read and learn about individual coverages and the modifications you can make to prevent expensive coverage. Many factors that cause rate increases such as multiple speeding tickets and an unacceptable credit history can be eliminated by paying attention to minor details. Later in this article we will cover information to help reduce premium rates and find missing discounts.
2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agents can quote prices from multiple sources.
3. Compare the quotes to your existing coverage and see if there is a cheaper rate. If you can save money, make sure coverage is continuous and does not lapse.
4. Notify your agent or company of your intention to cancel your current coverage. Submit a signed application and payment to your new insurance company. Make sure you place the new certificate of insurance with your registration paperwork.

The key aspect of shopping around is to try to compare the same coverage limits and deductibles on every quote request and and to get rate quotes from as many auto insurance providers as possible. Doing this helps ensure a level playing field and a complete selection of prices.

Since vehicle owners have many companies to choose from , it’s nearly impossible to pick a more affordable insurance company.

Quoting and comparing the lowest-priced auto insurance coverage in Cleveland is not as time-consuming as you think. If you are insured now or need a new policy, you will benefit by learning to shop for the lowest rates without having to cut coverage. Consumers just need to understand the most efficient way to get comparison rates online.

Affordable auto insurance companies in Cleveland

The following companies are our best choices to provide quotes in Cleveland, OH. To locate cheap car insurance in Cleveland, OH, it’s a good idea that you compare several of them to get a more complete price comparison.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Table data does not factor in garaging location in Cleveland which can affect prices substantially.

Cheap Cleveland car insurance rates with discounts

Companies that sell car insurance do not list all available discounts in a way that’s easy to find, so below is a list both the well known as well as the least known discounts that you may qualify for.

• Own a Home and Save – Being a homeowner may trigger a policy discount on car insurance since home ownership shows financial diligence.
• Accident Waiver – Not a discount per se, but companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims for a particular time prior to the accident.
• Government Employees – Having worked for a branch of the government can save as much as 8% with select insurance companies.
• Onboard Data Collection – People who choose to allow companies to spy on when and where they use their vehicle by using a telematics device such as State Farm’s In-Drive may get a rate reduction if they have good driving habits.
• Low Mileage Discounts – Low mileage vehicles could earn cheaper premium rates.
• Sign Early and Save – A few companies give discounts for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.
• Senior Citizens – If you’re over the age of 55, you can get a small discount on rates.
• Distant Student Discount – Any of your kids who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.

Remember that most credits do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will help lower the cost of your policy.

To locate providers that offer multiple discounts in Cleveland, click here.

Save money with these tips

Consumers need to have an understanding of some of the factors that help calculate the price you pay for insurance. If you have some idea of what determines base rates, this allows you to make educated decisions that could result in lower insurance prices. Lots of things are part of the equation when you get a price on insurance. Most are fairly basic such as traffic violations, but other factors are less apparent like your vehicle usage or your financial responsibility.

Safety first – Cars with high safety ratings tend to have better insurance rates. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your vehicle earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Your gender affects premiums – Statistics demonstrate that females take fewer risks when driving. This data doesn’t prove that men are worse drivers. They both have at-fault accidents in similar numbers, but the men have accidents that have higher claims. In addition to higher claims, males also get cited for more serious violations like reckless driving and DUI. Males from age 16 to 21 tend to get in the most accidents so they pay the highest premiums.

Pay less after the wedding – Being married helps lower the price when shopping for insurance. Having a significant other may mean you are more mature than a single person and insurance companies like that married drivers get in fewer accidents.

Type of vehicle determines base rates – The performance level of the car or truck you need to insure makes a huge difference in your rates. Small economy passenger cars generally receive the lowest base rates, but your final cost has many other factors.

Liability risk factors – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that a court rules you are at fault for damages from an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

Save money by raising deductibles – Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims are a broken side mirror, damage from fire, and rolling your vehicle. Deductibles for physical damage tell how much you are required to pay if a claim is determined to be covered. The higher the amount you choose to pay out-of-pocket, the less your insurance will be.

There’s no such thing as the perfect insurance policy

Always keep in mind that when comparing insurance from an agent or online, there really is no perfect coverage plan. You are unique so this has to be addressed.
For instance, these questions may help you determine whether you would benefit from professional advice.

• Should I get collision insurance on every vehicle?
• Is there a penalty for late payment?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What is the ISO rating for a vehicle?
• Should I pay a claim out-of-pocket?
• Is rental equipment covered for theft or damage?
• Am I covered if I back into my garage door?
• Can I afford to pay high deductible claims out of pocket?
• Should I carry comprehensive and collision coverage?
• Am I covered when pulling a rental trailer?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Shop online but buy locally

Some consumers still like to visit with an insurance agent. Experienced insurance agents can point out coverage gaps and help submit paperwork. An additional benefit of comparing rate quotes online is you may find lower rates and still choose a local agent. And providing support for neighborhood agents is definitely important in Cleveland.

To make it easy to find an agent, after completing this quick form, your insurance coverage information is immediately sent to insurance agents in Cleveland who will give competitive quotes for your business. It’s much easier because you don’t need to find an agent because quoted prices will be sent directly to you. If you need to quote rates from a specific insurance company, don’t hesitate to go to their quote page and complete a quote there.

If you are wanting to purchase auto insurance from a good insurance agency, you should know the different types of agencies that you can select. Auto insurance policy providers are classified as either exclusive agents or independent agents. Either one can sell auto insurance policies, but we need to point out how they differ since it could factor into buying decisions.

Independent Agencies or Brokers

Agents that elect to be independent can quote rates with many companies and that allows them to write policies with many different companies enabling the ability to shop coverage around. If they find a lower price, your agent can switch companies and the insured can keep the same agent. When comparison shopping, we recommend you get rate quotes from independent agents in order to have the best price comparison.

The following is a small list of independent insurance agencies in Cleveland who may provide cheap rate quotes.

More insurance agents

Exclusive Agents

Agents that elect to be exclusive can only quote rates from one company and examples are State Farm, Allstate and AAA. They are unable to provide other company’s prices so keep that in mind. Exclusive insurance agents are well trained on their company’s products and that allows them to sell at a higher price point.

Listed below are Cleveland exclusive agents that are able to give rate quotes.

More insurance agents

Deciding on an insurance agent should depend on more than just the quoted price. You should also get answers to these questions.

• Are there any discounts that you might be missing?
• How is replacement cost determined on your vehicle?
• Will one accident increase rates?
• Do they have 24-hour customer assistance?
• How experienced are they in personal risk management?

Auto insurance overall losses by make and model

Which vehicle models have severe claims? The tables below show the best and worst makes and models for likelihood of having to file claims for each type of coverage listed.

A little work can save a LOT of money

We just covered many ideas to get a better price on insurance in Cleveland. The key concept to understand is the more you quote Cleveland car insurance, the more likely it is that you will get a better rate. Drivers may even discover the best prices are with some of the lesser-known companies. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

As you prepare to switch companies, do not reduce coverage to reduce premium. There are a lot of situations where someone dropped collision coverage to discover at claim time that they should have had better coverage. The proper strategy is to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

Lower-priced insurance in Cleveland is possible on the web in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide online rate quotes and these small, regional companies prefer to sell through local independent agents.

How to save on car insurance in Cleveland

If you want to find the absolute lowest rates, then the best way to find affordable quotes for car insurance rates is to start comparing rates regularly from providers in Cleveland.

1. Try to learn about what is in your policy and the things you can change to prevent rate increases. Many rating criteria that are responsible for high rates like traffic violations, accidents, and an unacceptable credit history can be improved by making small lifestyle or driving habit changes.
2. Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents 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 insurance companies.
3. Compare the price quotes to your existing policy to determine if switching companies saves money. If you find a lower rate and change companies, verify that coverage does not lapse between policies.

A tip to remember is to try to use identical coverages on every quote and and to get prices from as many car insurance companies as possible. This enables an apples-to-apples comparison and maximum price selection.

For more information, take a look at the following helpful articles:

• Prom Night Tips for Teen Drivers (State Farm)
• Who Has Affordable Cleveland Car Insurance Quotes for Lyft Drivers? (FAQ)
• Speed and Speed Limit FAQ (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Uninsured Motorist Statistics (Insurance Information Institute)