The preferred way to find cheaper prices for car insurance rates is to make a habit of comparing prices annually from providers who can sell car insurance in Cleveland. Rates can be compared by following these steps.
- Step 1: Try to learn about how insurance works and the factors you can control to keep rates in check. Many things that result in higher prices such as your driving record and an unacceptable credit history can be remedied by making small lifestyle or driving habit changes. Read the full article for more ideas to help find cheaper rates and find available discounts that you may qualify for.
- Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while agents who are independent can provide prices from multiple companies. Compare rates
- Step 3: Compare the quotes to your existing coverage to see if a cheaper rate is available in Cleveland. If you find a better price, verify that coverage does not lapse between policies.
One bit of advice is to compare the same physical damage deductibles and liability limits on each price quote and and to look at as many auto insurance providers as possible. Doing this ensures the most accurate price comparison and a complete price analysis.
It’s a fact that insurance companies want to keep your business as long as possible. Insureds who get comparison quotes once a year will presumably switch companies because there is a high probability of finding a policy with more affordable rates. A recent survey discovered that consumers who regularly shopped around saved as much as $72 a month compared to other drivers who never compared rates.
If finding low prices for insurance is the reason you’re here, then understanding how to get rate quotes and compare auto insurance can make the process less intimidating.
The providers in the list below have been selected to offer quotes in Cleveland, OH. To get the best car insurance in Cleveland, it’s highly recommended you visit several of them in order to find the most affordable rates.
Discount Cleveland auto insurance quotes
Not many people think insurance is cheap, but there’s a good chance there are discounts that you may not even know about. Some of these discounts will be visible when you complete an application, but some need to be specially asked for prior to getting the savings.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
- Discounts for New Vehicles – Buying a new car instead of a used Allroad may earn a small discount because newer models keep occupants safer.
- Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
- Distant Student – Kids who are attending college and do not take a car to college could qualify for this discount.
- Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may get savings up to 30%.
You can save money using discounts, but some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But any discount will reduce the premium cost.
Car insurance companies that may offer quotes with many of the previously listed discounts possibly include:
Double check with each insurance company how you can save money. Some credits might not apply in your area. If you would like to view auto insurance companies who offer auto insurance discounts in Cleveland, click here to view.
Car insurance in Ohio serves several purposes
Despite the potentially high cost of Audi Allroad insurance, insuring your vehicle may be required and benefits you in several ways.
- Most states have compulsory liability insurance requirements which means you are required to carry specific limits of liability protection in order to drive the car legally. 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 took out a loan on your Allroad, almost all lenders will require you to carry insurance to protect their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Audi at a much higher premium rate and force you to pay the higher premium.
- Insurance protects not only your vehicle but also your assets. It will also pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are sued as the result of an accident. If you have damage to your Audi as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of insuring your car more than offset the price you pay, specifically if you ever have a liability claim. According to a recent study, the average American driver is currently overpaying as much as $830 a year so we recommend shopping around once a year at a minimum to ensure rates are inline.
What is the best auto insurance company in Ohio?
Picking the right car insurance provider can be challenging considering how many choices drivers have in Cleveland. The rank data in the next section can help you analyze which providers to look at when comparing rates.
Top 10 Cleveland Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
Top 10 Cleveland Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
Local Cleveland insurance agencies
Certain consumers would prefer to go talk to an agent and that is recommended in a lot of cases Insurance agents can help you choose the best coverages and give you someone to call. A good thing about comparing rates online is the fact that you can find lower prices and still buy from a local agent. Buying from and supporting local insurance agents is definitely important in Cleveland.
Once you complete this short form, the quote information gets sent to local insurance agents that can give you free Cleveland auto insurance quotes and help you find cheaper coverage. You won’t even need to find an agent as quotes are delivered to you instantly. If you want to quote rates for a specific company, you just need to go to their quote page and give them your coverage information.
If you want to use a local agent, it’s important to understand the types of agencies and how they can write your policy. Insurance agents in Cleveland can either be independent or exclusive depending on the company they work for. Both can sell insurance policies, but it is a good idea to know how they are different since it may influence which agent you choose.
Independent Insurance Agents
Agents in the independent channel do not sell for just one brand so they have the ability to put coverage with an assortment of companies and help determine which has the cheapest rates. If your agent finds better pricing, your policy is moved internally and you don’t have to switch agencies. If you are trying to find cheaper rates, you will want to include price quotes from several independent agencies to ensure the widest selection of prices.
Shown below are Cleveland independent insurance agencies that may be able to provide free insurance quotes.
Anthony Insurance
508 E 185th St – Cleveland, OH 44119 – (216) 531-5555 – View Map
Furlong and Co Insurance Agency Inc
569 E 185th St – Cleveland, OH 44119 – (216) 486-4170 – View Map
Coventry Insurance Agency
230 W Huron Rd – Cleveland, OH 44113 – (216) 307-3611 – View Map
Exclusive Agencies
Exclusive insurance agents can usually just insure with one company and some examples include AAA, Allstate, and State Farm. Exclusive agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agents are well schooled on their company’s products which can be an advantage.
Listed below are Cleveland exclusive agencies who can help you get price quote information.
Dick McClement – State Farm Insurance Agent
2700 W 25th St – Cleveland, OH 44113 – (216) 621-3723 – View Map
Wendy Narad Agency – Farmers Insurance
24800 Chagrin Blvd #100 – Cleveland, OH 44122 – (216) 292-3803 – View Map
Robert Jones – State Farm Insurance Agent
12405 Larchmere Blvd – Cleveland, OH 44120 – (216) 229-3276 – View Map
Picking an insurance agency needs to be determined by more than just the quoted price. Any good agent in Cleveland should know the answers to these questions.
- Which company do they place the most coverage with?
- Who is covered by the car insurance policy?
- Does the agency support the community they serve?
- How is replacement cost determined on your vehicle?
- Do they receive special compensation for putting your coverage with one company over another?