The preferred way to find cheaper Mazda 2 insurance in Cleveland is to compare prices once a year from different companies who sell auto insurance in Ohio.
Step 1: Take a little time to learn about policy coverages and the things you can control to keep rates down. Many rating factors that cause rate increases like your driving record and an unacceptable credit rating can be remedied by making small lifestyle or driving habit changes. Continue reading for the details to help find cheaper rates and find additional discounts you may qualify for.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can quote rates for a wide range of companies.
Step 3: Compare the new rates to the price on your current policy and determine if cheaper 2 coverage is available in Cleveland. If you can save some money and make a switch, make sure there is no coverage gap between policies.
Step 4: Give proper notification to your current agent or company to cancel your current policy. Submit a down payment and signed policy application to the new company. Immediately upon receiving it, safely store the proof of insurance paperwork in your glove compartment.
One key aspect of rate comparisons is that you use the same physical damage deductibles and liability limits on every quote and and to get price estimates from all possible companies. This guarantees a level playing field and maximum price selection.
Statistics show that the vast majority of insurance customers have bought insurance from the same company for more than four years, and just short of a majority have never compared rate quotes at all. With the average premium in Ohio being $1,340, drivers can save hundreds of dollars each year by just comparing quotes, but they won’t spend time to compare other rate quotes.
You Can Change Your Insurance Rates
Lots of factors are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving record, but some are more transparent such as your credit history or your commute time.
The following are some of the most common factors that factor into premiums.
- Women tend to be lower risk – Over time, data shows that men are more aggressive behind the wheel. It does not mean males are worse at driving than females. They both are in auto accidents at about the same rate, but the men have costlier accidents. Not only that, but men also get ticketed for serious violations such as reckless driving.
- Theft deterrents systems cut rates – Driving a car with a theft deterrent system can save you a little every year. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
- Traffic violations drive up prices – How you drive has a big impact on rates. Having a single speeding ticket may increase your cost by as much as thirty percent. Careful drivers pay lower auto insurance prices as compared to careless drivers. People who have license-revoking citations such as DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to keep their license.
- Lower car insurance rates by staying claim free – If you are a frequent claim filer, you can expect higher rates. Auto insurance companies in Ohio give better rates to drivers who file claims infrequently. Auto insurance is meant to be used in the event of the large, substantial claims.
- Single vs. married – Walking down the aisle actually saves money compared to being single. It may mean you are less irresponsible and insurance companies reward insureds because married drivers tend to file fewer claims.
- Driver age impacts premiums – Teenage drivers in Ohio are statistically proven to be careless and easily distracted when driving with friends so car insurance rates are higher. If you’ve ever had to add a teen driver to your policy can break the bank. More experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and usually have better credit.
- Remove unneeded add-on coverages – Insurance policies have a lot of additional extra coverages that can add up if you don’t pay attention. Coverages like rental car reimbursement, high-cost glass coverage, and motor club memberships are examples of these. These coverages may sound good when deciding what coverages you need, but your money might be better spent on other coverage so get rid of them and save.
Just keep in mind that comparing more quotes helps improve the odds of finding more affordable insurance.
The following companies are our best choices to provide quotes in Cleveland, OH. If multiple companies are listed, we suggest you get prices from several of them to get a more complete price comparison.
Why you need insurance for your vehicle
Despite the high cost of buying insurance for a Mazda 2 in Cleveland, paying for insurance serves a purpose in several ways.
- Most states have mandatory insurance requirements which means you are required to buy a minimum amount of liability insurance in order to drive the car. 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 Mazda, most banks will have a requirement that you have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Mazda for a lot more money and force you to pay for it.
- Insurance protects your vehicle and your assets. It will also cover most medical and hospital costs incurred in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying insurance more than cancel out the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver overpays as much as $855 a year so you should quote your policy with other companies every year to ensure rates are competitive.
You may qualify for discounts for Mazda 2 insurance in Cleveland
Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Certain reductions will be credited when you complete an application, but a few must be asked for prior to getting the savings. If you check and find you aren’t receiving every discount you deserve, you could be paying more than you need to.
- Discount for Home Ownership – Owning a house in Cleveland can save a few bucks because maintaining a house requires a higher level of personal finance.
- Claim Free – Drivers who don’t have accidents can save substantially in comparison with frequent claim filers.
- Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote Cleveland auto insurance with select insurance companies.
- Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
- Auto/Home Discount – If you can combine your auto and home policy and insure them with the same company you could get a discount of 10% to 20% off each policy.
- Good Driver Discount – Insureds who avoid accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
- Telematics Data Discounts – Policyholders that allow their insurance company to scrutinize their driving habits remotely such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.
- Discounts for New Vehicles – Buying a new car instead of a used 2 can be considerably cheaper because newer vehicles are generally safer.
- Low Mileage Discounts – Driving fewer miles may allow you to get substantially lower premium rates.
Drivers should understand that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, you won’t be that lucky.
A partial list of companies who may offer many of the previously listed discounts may include but are not limited to:
If you need lower rates, check with all the companies which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in every state. To find insurers that can offer you the previously mentioned discounts in Ohio, click here to view.
Compare rates but work with a local Cleveland insurance agent
Some consumers still prefer to sit down with an agent and that is a smart decision The biggest benefit of price shopping on the web is the fact that drivers can get cheaper premium rates and still have a local agent. Buying from neighborhood agents is definitely important in Cleveland.
To find an agent, once you fill out this form (opens in new window), your information gets sent to participating agents in Cleveland who will give you quotes for your business. It makes it easy because there is no need to find an agent since rate quotes are delivered straight to your inbox. You can most likely find cheaper rates and a licensed agent to talk to. If you have a need to quote rates from a specific insurance company, don’t hesitate to go to their quote page and complete a quote there.
Two types of car insurance agents
If you want to buy insurance from a good Cleveland insurance agent, you need to know there are two types of insurance agents from which to choose. Insurance agencies can either be independent or exclusive depending on the company they work for.
Independent Agencies or Brokers
Independent agencies are not limited to a single company and that allows them to write policies amongst many companies and find the cheapest rate. If prices rise, they can switch companies in-house and you don’t have to find a new agent. If you are trying to find cheaper rates, you should always include rate quotes from several independent agencies so that you have a good selection of quotes to compare.
Below is a small list of independent insurance agencies in Cleveland who may provide free price quotes.
Exclusive Insurance Agencies
Exclusive agencies can only write with one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive agents are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates.
Below are Cleveland exclusive insurance agencies willing to provide price quotes.
Allstate Insurance: Eslick Insurance and Financial Services
2775 S Moreland Blvd Ste 203 – Cleveland, OH 44120 – (216) 283-5570 – View Map
Finding a good car insurance agent should include more criteria than just the quoted price. Get answers to these questions too.
- Can you use your own choice of collision repair facility?
- How long has their agency been in business in Cleveland?
- Can glass claims be handled at your home?
- How much will you save each year by using a higher deductible?
- Do they regularly work with personal auto policies in Cleveland?
- Has the agent ever had any license suspensions?
- Do they have any clout with companies to ensure a fair claim settlement?
- Will you work with the agent or an assistant?
Different people need different car insurance coverages
When buying the right insurance coverage, there really isn’t a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For instance, these questions may help highlight whether or not you might need an agent’s assistance.
- Do I have coverage when pulling a U-Haul trailer?
- Do I need roadside assistance coverage?
- Am I covered if I wreck a rental car?
- When would I need additional glass coverage?
- Is there coverage for injuries to my pets?
- Is my Mazda 2 covered for smoke damage?
- Should I waive the damage coverage when renting a car?
- What is the difference between comprehensive and collision coverage?
- What if I total my Mazda 2 and owe more than it’s worth?
If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.
Find cheaper rates by being thorough
When getting Cleveland auto insurance quotes online, never reduce coverage to reduce premium. There are many occasions where an insured cut liability coverage limits and learned later that it was a big mistake. The proper strategy is to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.
Cheaper Mazda 2 insurance in Cleveland is definitely available on the web and with local Cleveland insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not provide online rate quotes and most of the time these regional insurance providers work with independent agents.
We just covered some good ideas how to find affordable Mazda 2 insurance in Cleveland. It’s most important to understand that the more providers you compare, the higher your chance of finding the cheapest Mazda 2 rate quotes. Drivers may even discover the lowest priced car insurance comes from an unexpected company.
Much more information about car insurance in Ohio can be found below:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- What is the Best Cheap Auto Insurance in Cleveland, Ohio? (FAQ)
- Who Has Affordable Auto Insurance for a GMC Sierra in Cleveland? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with a Bad Driving Record in Cleveland? (FAQ)
- Who Has Affordable Auto Insurance for Uninsured Drivers in Cleveland? (FAQ)
- How Much are Cleveland Car Insurance Quotes for 19 Year Olds? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Drunk Driving Statistics (Insurance Information Institute)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)