The best way we recommend to get the cheapest auto insurance rates in Cleveland is to start comparing prices yearly from insurance carriers that insure vehicles in Ohio.
Step 1: Learn about how insurance works and the modifications you can make to prevent expensive coverage. Many risk factors that result in higher rates such as multiple speeding tickets and a less-than-favorable credit rating can be amended by paying attention to minor details.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while independent agencies can quote rates from many different companies. Select a company
Step 3: Compare the new quotes to the premium of your current policy to see if cheaper SS coverage is available. If you find better rates, verify that coverage does not lapse between policies.
Step 4: Give notification to your agent or company of your intent to cancel your existing policy. Submit the required down payment along with the signed application to your new agent or company. As soon as you can, keep your new proof of insurance certificate in a readily accessible location in your vehicle.
A good tip to remember is to make sure you’re comparing identical limits and deductibles on every quote request and and to get price estimates from as many different companies as possible. This provides the most accurate price comparison and and a good selection of different prices.
Regrettably, most consumers have remained with the same insurance company for well over three years, and approximately 38% of consumers have never compared rate quotes at all. Many consumers in Ohio could save nearly $729 each year just by shopping around, but most tend to underestimate the big savings they would realize if they bought a different policy.
The are a couple different ways to compare rate quotes from different companies. The best way to compare Chevy SS insurance prices is to get quotes online. When comparison shopping, comparing a large number of companies will enable you to find the best price.
The companies shown below have been selected to offer price comparisons in Ohio. If your goal is to find cheap car insurance in OH, it’s highly recommended you compare several of them in order to find the lowest rates.
Insurance is not optional
Even though Cleveland SS insurance rates can get expensive, maintaining insurance is a good idea for several reasons.
First, most states have minimum liability requirements which means you are required to carry a specific minimum amount of liability protection 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.
Second, if your car has a loan, almost every bank will make it a condition of the loan that you have comprehensive coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank may insure your Chevy at a much higher premium rate and make you pay for the expensive policy.
Third, insurance protects both your car and your assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of an accident. If damage is caused by hail or an accident, your insurance policy will cover the repair costs.
The benefits of carrying adequate insurance more than offset the price you pay, specifically if you ever have a liability claim. An average driver in America overpays as much as $750 every year so it’s important to compare rates at least once a year to be sure current rates are still competitive.
Cleveland car insurance discounts
Car insurance companies don’t necessarily list their entire list of discounts very well, so below is a list a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Cleveland car insurance online. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.
- Senior Discount – Mature drivers are able to get a small decrease in premiums.
- Telematics Devices – Drivers who elect to allow companies to spy on when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as the data is positive.
- Driver Safety – Participating in a course that instructs on driving safety may get you a small discount and make you a better driver.
- Cleveland Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home is proof of financial responsibility.
- Good Students Pay Less – This discount can save 20 to 25%. Many companies even apply the discount to college students until age 25.
- Multi-policy Discount – When you have multiple policies with one company you could get a discount of up to 20% and get you affordable Chevrolet SS insurance rates in Cleveland.
- Accident Forgiveness Coverage – Not really a discount, but companies like GEICO, Progressive, and Allstate will let one accident slide before your rates go up if you are claim-free prior to being involved in the accident.
- Driver’s Ed – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it can save substantially.
- Distant Student Discount – Kids who attend college more than 100 miles from Cleveland and do not have a car can be insured at a reduced rate.
It’s important to understand that some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.
To see providers that can offer you the previously mentioned discounts in Cleveland, click here.
Car insurance is available from your local insurance agencies
Some consumers still prefer to get professional advice from a licensed agent and that is recommended in a lot of cases The best thing about price shopping on the web is that drivers can save money and get cheap car insurance rates and still buy from a local agent. And providing support for local agents is important particularly in Cleveland.
Once you complete this quick form, your insurance data gets sent to participating agents in Cleveland that give free quotes for your business. There is no need to contact any insurance agencies as quotes are delivered directly to your email. You can get cheaper car insurance rates without having to waste a lot of time. If you have a need to get a rate quote from a specific car insurance provider, you can always search and find their rate quote page and fill out their quote form.
If you’re trying to find a reputable insurance agent or broker, it’s important to understand the types of insurance agents from which to choose. Agencies in Cleveland can be classified as either independent or exclusive depending on the company they work for.
Agents that elect to be independent can sell policies from many different companies and that enables them to quote your coverage with an assortment of companies and find you cheaper rates. If premiums increase, the agent simply finds a different carrier and you don’t have to switch agencies. When comparing car insurance prices, we recommend you include rate quotes from at least one independent agent in order to have the best price comparison. They also have the ability to place coverage with small regional insurance companies which can save you money.
The following is a short list of independent insurance agencies in Cleveland who may be able to give you free car insurance rate quotes.
- Evarts Tremaine
1111 Superior Ave #420 – Cleveland, OH 44113 – (216) 621-7183 – View Map
- Lighthouse Insurance
3167 Fulton Rd # 306 – Cleveland, OH 44109 – (216) 781-8888 – View Map
- Anthony Insurance
508 E 185th St – Cleveland, OH 44119 – (216) 531-5555 – View Map
Exclusive insurance agents can only provide pricing for a single company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents are usually quite knowledgeable on sales techniques and that allows them to sell at a higher price point. Some consumers prefer to use the same agent mainly due to the brand and solid financial strength.
Shown below are Cleveland exclusive agencies willing to provide price quotes.
- Wendy Narad Agency – Farmers Insurance
24800 Chagrin Blvd #100 – Cleveland, OH 44122 – (216) 292-3803 – View Map
- Justin Ragor – State Farm Insurance Agent
3878 Rocky River Dr Ste 4 – Cleveland, OH 44111 – (216) 251-5300 – View Map
- Garrett C Estes – State Farm Insurance Agent
4219 W 210th St – Fairview Park, OH 44126 – (440) 331-3111 – View Map
Finding the right insurance agency requires more thought than just a cheap price quote. Here are some questions to ask:
- Will they take your side in the event of a claim?
- Where would your vehicle be repaired?
- Does their agency support local causes in Cleveland?
- Does the agency have a good rating with the Better Business Bureau?
- Is assistance available after office hours?
- How often do they review coverages?
- Do they carry Errors and Omissions coverage?
Insurance can be complex
Keep in mind that when it comes to choosing your policy for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Your situation is unique so this has to be addressed.
These are some specific questions might help in determining whether or not you might need an agent’s assistance.
- Can I use my car for my catering business?
- Is my vehicle covered by my employer’s policy when using it for work?
- Where can I find high-risk insurance?
- Is water damage covered by my policy?
- What does medical payments cover?
- What are good deductibles for a Chevy SS?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Information about specific coverages
Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by auto insurance companies.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Chevy SS.
Because many people only carry the minimum required liability limits (25/50/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Coverage for medical expenses
Coverage for medical payments and/or PIP pay for expenses such as surgery, ambulance fees, chiropractic care and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Liability auto insurance
Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers things such as legal defense fees, structural damage and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford. Ohio requires minimum liability limits of 25/50/25 but drivers should carry more liability than the minimum.
The chart below shows why buying low liability limits may not be high enough to cover claims.
Comprehensive auto insurance
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as hail damage, rock chips in glass, hitting a deer, a broken windshield and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage protection
Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible on your SS to bring the cost down.
Frequent quotes can save
When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best possible price.
We’ve covered quite a bit of information on how to get a better price on Chevy SS insurance in Cleveland. The key thing to remember is the more quotes you get, the better chance you’ll have of finding affordable Cleveland car insurance quotes. Consumers may even find the most savings is with the least-expected company. These companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Allstate or State Farm.
The cheapest Chevy SS insurance in Cleveland is definitely available on the web in addition to many Cleveland insurance agents, so get free Cleveland car insurance quotes from both of them so you have a total pricing picture. Some companies may not provide online rate quotes and usually these small insurance companies only sell through independent agents.
For more information, feel free to browse the articles below:
- Rollover Crash FAQ (iihs.org)
- Who Has the Cheapest Car Insurance Quotes for Low Mileage Drivers in Cleveland? (FAQ)
- How Much are Car Insurance Rates for Handicapped Drivers in Cleveland? (FAQ)
- Who Has Cheap Car Insurance Rates for 17 Year Olds in Cleveland? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Property Damage Coverage (Liberty Mutual)
- State Laws for Cellphones and Texting (iihs.org)