I can’t think of anyone who likes paying for auto insurance, particularly when they could find better prices if they shop around.
Smart shoppers know that insurance companies want to keep you from comparing rates. Insureds who compare price quotes are likely to buy a new policy because there is a high probability of finding a lower-priced company. A recent auto insurance study revealed that consumers who made a habit of comparing rates saved $865 a year compared to those who didn’t regularly shop around.
If finding the lowest price on auto insurance in Cleveland is your ultimate goal, then knowing the best way to quote and compare coverages can make it easier to find better rates.
Due to the increasing number of insurance providers from which to choose, it’s nearly impossible to choose the most cost effective auto insurance company.
It’s a great practice to get comparison quotes on a regular basis because prices are constantly changing. Just because you had the best deal on Kia Borrego insurance in Cleveland a couple years back a different company probably has better rate quotes today. You can find a lot of information about Borrego insurance online but in just a couple of minutes you can learn some great ways to buy auto insurance cheaper in Cleveland.
Locating the most cost-effective insurance policy in Cleveland is actually quite easy if you know where to start. Virtually anyone who is looking for cheaper insurance should find a lower price. Nevertheless, Ohio consumers need to have an understanding of the way insurance companies determine what you pay because it can help you find the best coverage.
Best companies for Kia Borrego insurance
The car insurance companies shown below provide price quotes in Ohio. If you want cheap auto insurance in Cleveland, we suggest you compare several of them to get the cheapest price.
Discounts mean cheaper rates for Kia Borrego insurance in Cleveland
Some insurance providers don’t always list every policy discount in a way that’s easy to find, so we break down both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy Cleveland car insurance online. If you don’t get every credit you deserve, you may be paying too high a price.
- Drive Less and Save – Driving less may enable drivers to earn substantially lower premium rates.
- Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from Cleveland and don’t have a car can receive lower rates.
- Passive Restraints – Factory air bags may get savings of 20 to 30 percent.
- Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off depending on your company.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.
- Accident Waiver – This one is not really a discount per se, but companies like Liberty Mutual, GEICO and Allstate may permit one accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
- Responsible Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- Claim Free – Insureds with no claims or accidents get the best auto insurance rates when compared with insureds who have frequent claims or accidents.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school.
Keep in mind that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, companies don’t profit that way. But any discount will positively reduce the amount you pay for coverage.
If you would like to choose from a list of companies who offer cheap Kia Borrego insurance quotes in Cleveland in Ohio, follow this link.
Why You Might Pay Higher Rates in Cleveland
Lots of things are used when you get a price on insurance. Some factors are common sense like your driving record, but other factors are not as apparent such as your credit history or how safe your car is. Part of the insurance buying process is learning the different types of things that aid in calculating your insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with lower premium levels.
Filing claims can cost you – Insurance companies in Ohio generally give lower rates to insureds who file claims infrequently. If you frequently file small claims, you can expect increased rates or even have your policy non-renewed. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
Get better rates if married – Your spouse may save some money on your insurance policy. Marriage demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because married drivers get in fewer accidents.
Do you really need the add-on coverages? – Policies have optional add-on coverages that you can get tricked into buying when buying insurance. Things like roadside assistance, accidental death, and extra life insurance coverage could be just wasting money. They may seem like a good idea initially, but if they’re wasting money get rid of them and save.
Higher physical damage deductibles are cheaper – Physical damage deductibles state the amount of money you are required to pay if a covered claim is submitted. Physical damage insurance, aka comp and collision, is used to repair damage to your car. A few examples of covered claims are rear-ending another vehicle, fire damage, and damage from wind. The larger the amount you choose to pay out-of-pocket, the lower your rates will be.
Affects performance affects auto insurance rates – The performance level of the car, truck or SUV you drive makes a huge difference in your premium level. The lowest rates tend to be for lower cost passenger models, but that’s not the only thing that factors into the final price.
Better drivers pay less – Careful drivers receive lower rates than bad drivers. Just one citation could increase your next policy renewal to the point where it’s not affordable. People who have serious violations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state DMV in order to legally drive.
Rural vs Urban Areas – Choosing to live in small towns and rural areas has it’s advantages if you are looking for the lowest rates. People who live in big cities regularly have congested traffic and more severe claims. Fewer drivers translates into fewer accidents.
Your occupation and insurance rates – Jobs such as real estate brokers, executives, and dentists generally have the highest rates because of high stress levels and lots of time spent away from family. On the flip side, careers such as professors, students and homemakers receive lower rates.
Are auto insurance agents used anymore?
A lot of people would rather sit down and talk to an agent and that is just fine! An additional benefit of comparing car insurance online is the fact that drivers can get cheap car insurance rates but also keep your business local.
To make it easy to find an agent, after completing this quick form, the coverage information is submitted to participating agents in Cleveland who will gladly provide quotes for your coverage. It makes it easy because there is no need to even leave your home because prices are sent to you instantly. You can get cheaper car insurance rates without the usual hassles of price shopping. In the event you want to get a comparison quote from a specific car insurance provider, you can always go to their quote page and submit a quote form there.
Finding the right insurer should include more criteria than just the price. Before buying a policy in Cleveland, get answers to these questions.
- Does the agency have a current Errors and Omissions policy?
- Will the agent or a CSR service your policy?
- Do they offer rental car reimbursement?
- Is the agent CPCU or CIC certified?
- How many companies do they write for?
- Will their companies depreciate repairs to your car based on the mileage?
- Is the agent and/or agency licensed to do business in Ohio?
Exclusive or Independent: There is a difference
When searching for a local Cleveland insurance agent, there are a couple of types of agencies and how they can write your policy. Agents in Cleveland can be classified as either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Agents that elect to be exclusive work for only one company and examples are State Farm, Allstate and AAA. They generally cannot compare rates from other companies so keep that in mind. These agents are well trained on the products they sell which helps them sell on service rather than price.
Below are Cleveland exclusive insurance agencies who can help you get price quotes.
Robert Jones – State Farm Insurance Agent
12405 Larchmere Blvd – Cleveland, OH 44120 – (216) 229-3276 – View Map
Independent Insurance Agents
Independent agents can sell policies from many different companies and that enables them to quote your coverage amongst many companies and find the cheapest rate. If your agent finds better pricing, the business is moved internally and the insured can keep the same agent.
When comparing car insurance prices, we highly recommend that you get quotes from a few independent agents so that you can do a thorough price comparison.
The following is a short list of independent agents in Cleveland willing to provide rate quotes.
Bass Ohio Insurance Agency LLC
815 Superior Avenue E, Suite 1412 – Cleveland, OH 44114 – (440) 862-0352 – View Map
Cheaper auto insurance is a realistic goal
When searching for the cheapest Kia Borrego rate quotes, don’t be tempted to buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.
You just read a lot of techniques to shop for Kia Borrego insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable Cleveland car insurance quotes. You may even find the best premium rates are with a small local company. These companies may only write in your state and offer lower prices than the large multi-state companies such as Progressive and GEICO.
How to find discount Kia Borrego insurance in Cleveland
If saving the most money is your goal, then the best way to get more affordable auto insurance rates is to compare quotes once a year from insurers in Cleveland.
Step 1: Gain an understanding of how companies price auto insurance and the measures you can control to prevent rate increases. Many factors that result in higher rates such as traffic violations, accidents, and a bad credit score can be remedied by making small lifestyle or driving habit changes.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple sources. View rates
Step 3: Compare the new rate quotes to the price on your current policy and see if you can save money. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide notification to your current company of your intent to cancel your current car insurance policy and submit a down payment and signed policy application to your new agent or company. Immediately put the new certificate verifying coverage in an easily accessible location.
A good tip to remember is that you’ll want to compare identical coverage information on each quote and and to get rates from all possible companies. Doing this helps ensure an apples-to-apples comparison and a better comparison of the market.
Additional auto insurance information can be found on the following sites:
- Understanding Car Crashes Video (iihs.org)
- What Car Insurance is Cheapest for a Dodge Ram in Cleveland? (FAQ)
- What Insurance is Cheapest for Police Officers in Cleveland? (FAQ)
- Child Safety FAQ (iihs.org)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Avoiding Deer Collisions (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)