It’s an obvious statement that car insurance companies don’t want you quoting rates from other companies. Insureds who get comparison quotes at least once a year will presumably buy a new policy because the odds are good of finding a lower-priced policy. A recent study showed that consumers who compared rates regularly saved an average of $72 a month compared to other drivers who never shopped for cheaper rates.
If finding the lowest price for Chevy Cruze insurance is why you’re here, then having an understanding of how to shop and compare cheaper coverage can make shopping around easier.
The recommended way to quote cheaper Chevy Cruze insurance in Cleveland is to begin comparing prices regularly from providers in Ohio.
Step 1: Spend a few minutes and learn about individual coverages and the things you can change to prevent expensive coverage. Many rating factors that drive up the price such as high-risk driving behaviors and an imperfect credit rating can be controlled by making small lifestyle or driving habit changes.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of companies. Get quotes now
Step 3: Compare the new rates to your existing policy to see if you can save by switching companies. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide written notification to your current company to cancel your current coverage. Submit the required down payment along with the signed application to your new insurance company. As soon as you receive it, keep the new proof of insurance certificate in your glove compartment.
One thing to point out is to use identical coverage information on every quote and and to get rate quotes from as many auto insurance providers as possible. This enables an apples-to-apples comparison and the most accurate and complete price analysis.
The majority of larger companies like State Farm, GEICO and Progressive allow you to get prices for coverage on their websites. Getting quotes for Chevy Cruze insurance in Cleveland can be done by anyone as you just enter your coverage information into a form. Upon sending the form, the company’s rating system gets your driving record and credit report and generates pricing information based on these factors. The ability to get online rate quotes for Chevy Cruze insurance in Cleveland makes it a lot easier to compare rates and it is imperative to have as many quotes as possible if you want to get the cheapest price possible.
In order to compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you complete the form with the limits and deductibles exactly as shown on your declarations page. This guarantees you will have a rate comparison based on identical coverages.
The auto insurance companies shown below can provide price quotes in Cleveland, OH. If your goal is to find cheap auto insurance in Cleveland, OH, it’s a good idea that you compare several of them to find the lowest auto insurance rates.
Here’s why insurance is not optional
Despite the high cost of buying insurance for a Chevy Cruze in Cleveland, buying insurance may be required and benefits you in several ways.
First, almost all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance coverage 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.
Second, if you have a lien on your Cruze, it’s guaranteed your bank will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Chevy at an extremely high rate and force you to pay for the expensive policy.
Third, insurance preserves both your assets and your Chevy Cruze. It will also reimburse you for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay for a defense attorney if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the repair costs.
The benefits of having insurance definitely exceed the cost, especially when you need to use it. Despite what companies tell you, the average driver overpays more than $700 annually so it’s recommended you shop around at every renewal to ensure rates are competitive.
Cleveland car insurance discounts
Some providers don’t always publicize the complete list of policy discounts very clearly, so below is a list both the well known and also the lesser-known discounts that may be available.
- Waiver for an Accident – This one isn’t a discount, but some insurance companies allow you one accident without getting socked with a rate hike if you have no claims prior to the accident.
- Homeowners Savings – Being a homeowner can help you save on car insurance since home ownership requires personal responsibility.
- Driver Education Discount – Have your child participate in a local driver’s education class if it’s offered in school.
- Theft Deterrent Discount – Cars with anti-theft systems are stolen less frequently and can earn a small discount on your policy.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
As a sidenote, most discount credits are not given to the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
If you would like to see a list of providers that have a full spectrum of discounts in Ohio, click here.
What if I want to buy from local Cleveland insurance agencies?
Certain consumers would prefer to go talk to an agent and that is not a bad decision The biggest benefit of getting online price quotes is that you can find better rates and still have an agent to talk to. And providing support for small agencies is important particularly in Cleveland.
To make it easy to find an agent, after completing this quick form, your insurance data is emailed to local insurance agents in Cleveland that give free quotes for your insurance coverage. You don’t have to contact an agency due to the fact that quote results will go to you. You can most likely find cheaper rates without the usual hassles of price shopping. In the event you want to compare prices from a specific insurance company, don’t hesitate to find their quoting web page and submit a quote form there.
Types of car insurance agents in Cleveland
If you want a reliable insurance agency, it’s helpful to know the types of insurance agents and how they work. Agents in Cleveland can be classified as either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents
Agents that elect to be independent are appointed with more than one company and that enables them to quote your coverage amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply switch companies in-house and the insured can keep the same agent.
When comparison shopping, we recommend you compare quotes from a few independent agents so that you have a good selection of quotes to compare.
Featured below are independent agents in Cleveland that may be able to give you free insurance rate quotes.
Exclusive Insurance Agencies
Agents that elect to be exclusive work for only one company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide other company’s prices so keep that in mind. They are well schooled in insurance sales which aids in selling service over price.
Listed below is a short list of exclusive insurance agencies in Cleveland who can help you get price quotes.
Finding the right insurance agent requires more thought than just the premium amount. Any agent in Cleveland should be forthright in answering these questions:
- How long has the business existed?
- How would your car be valued if totaled?
- Do they have 24-hour customer assistance?
- Is insurance their full-time profession?
- Are there any discounts for paying up front?
One last thing to lower rates
We just covered many ways to compare Chevy Cruze insurance car insurance rates in Cleveland. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding inexpensive Cleveland auto insurance quotes. Consumers could even find that the lowest car insurance rates come from a small local company. They may have significantly lower premium rates on certain market segments than their larger competitors like Allstate or State Farm.
The cheapest Chevy Cruze insurance in Cleveland can be bought from both online companies as well as from independent agents in Cleveland, so you need to shop Cleveland auto insurance with both to have the best chance of lowering rates. Some companies may not offer online rate quotes and these smaller providers prefer to sell through local independent agents.
More tips and info about auto insurance can be read in the articles below:
- What is Full Coverage? (Allstate)
- Who Has the Cheapest Car Insurance Rates for Felons in Cleveland? (FAQ)
- Who Has the Cheapest Cleveland Car Insurance for College Students? (FAQ)
- Who Has Affordable Auto Insurance for Veterans in Cleveland? (FAQ)
- How Much are Cleveland Auto Insurance Quotes for a Hyundai Elantra? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Think You’re a Safe Driver? (State Farm)
- Parking Tips to Reduce Door Dings (State Farm)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)