Truthfully, the best way to find low-cost Chevy Spark insurance in Columbus is to do a yearly price comparison from providers in Ohio.
- Spend a few minutes and learn about the different coverages in a policy and the measures you can control to keep rates low. Many things that drive up the price such as high-risk driving behaviors and a negative credit rating can be controlled by making lifestyle changes or driving safer. Read the full article for additional tips to get cheaper coverage and earn larger discounts.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agents can provide rate quotes for a wide range of companies. View a list of agents
- Compare the new quotes to your existing policy to see if you can save by switching companies. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Give notification to your agent or company to cancel your current policy. Submit a down payment and signed policy application for your new coverage. Once received, store the certificate of insurance in a readily accessible location in your vehicle.
A good piece of advice is to make sure you’re comparing identical deductibles and limits on every quote and to quote with as many different companies as possible. This provides a fair rate comparison and the best price quote selection.
It’s safe to assume that insurance companies don’t want you shop around. Insureds who compare rates at least once a year are very likely to switch to a new company because there is a high probability of finding a cheaper policy. Remarkably, a study showed that people who did price comparisons regularly saved $860 a year compared to other drivers who never shopped around for better prices.
If finding the cheapest price on insurance in Columbus is your ultimate goal, learning how to find companies and compare insurance rates can make it easier to shop your coverage around.
If you have insurance now, you should be able to find better prices using these techniques. This article’s intent is to familiarize you with the best ways to compare prices and how to save the most money. Although Ohio consumers must comprehend the way insurance companies determine how much to charge because rates fluctuate considerably.
When looking for cheaper Columbus auto insurance quotes, there are a couple ways to compare prices from different Columbus insurance companies. The simplest method to compare rates is to perform an online rate comparison. Keep in mind that quoting more increases your odds of finding the best rates.
The providers in the list below have been selected to offer quotes in Columbus, OH. If the list has multiple companies, we suggest you click on several of them to get the best price comparison.
Car insurance policy discounts you can’t miss
Buying car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Certain reductions will be credited when you complete an application, but some must be inquired about prior to receiving the credit.
- Data Collection Discounts – Policyholders that allow their car insurance company to study where and when they drive remotely such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they are good drivers.
- Defensive Driver – Completing a class that teaches defensive driving techniques could cut 5% off your bill depending on where you live.
- Military Deployment Discount – Having an actively deployed family member may lower your car insurance rates slightly.
- Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and qualify for as much as a 10% discount.
- Multiple Vehicles – Having primary and secondary vehicles on one policy may reduce the rate for each vehicle.
- Discounts for Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) off the medical payments premium.
- Fewer Miles Equal More Savings – Driving fewer miles could earn cheaper prices.
- Good Students Pay Less – Excelling in school can earn a discount of 20% or more. Most companies allow this discount up to age 25.
- Renewal Discounts – A few larger companies allow discounts for switching companies before your current Spark insurance policy expires. You may see this discount when you get Columbus auto insurance quotes online.
As a sidenote, most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So even though it sounds like you could get a free car insurance policy, you aren’t that lucky.
Companies and a partial list of their discounts are included below.
- Progressive may include discounts for online signing, good student, continuous coverage, multi-policy, online quote discount, homeowner, and multi-vehicle.
- Farmers Insurance may offer discounts for good student, switch companies, electronic funds transfer, youthful driver, and alternative fuel.
- Farm Bureau has savings for renewal discount, driver training, good student, multi-policy, and multi-vehicle.
- State Farm discounts include accident-free, multiple policy, anti-theft, passive restraint, and good student.
- GEICO has discounts for emergency military deployment, multi-policy, good student, anti-lock brakes, and anti-theft.
- SAFECO includes discounts for anti-theft, bundle discounts, teen safe driver, drive less, accident prevention training, and multi-car.
- Liberty Mutual offers discounts for exclusive group savings, safety features, multi-policy, newly married, and good student.
Before buying, ask every prospective company which discounts can lower your rates. Some discounts may not apply to policies in Columbus. To find providers with the best Chevy Spark insurance discounts in Columbus, click this link.
Columbus Insurance Costs are Influenced by These Factors
Many things are used in the calculation when quoting car insurance. Some are pretty understandable like your driving record, but other factors are not as apparent such as your marital status or your commute time.
- Get a ticket, pay higher prices – Your driving record impacts your car insurance rates tremendously. Just one speeding ticket or other violation could increase your next policy renewal by as much as thirty percent. Drivers with clean records get better prices compared to bad drivers. Drivers with serious citations like hit and run, DWI or reckless driving convictions might be required by their state to file a SR-22 with their state motor vehicle department in order to keep their license.
- The type of car makes a difference – The make and model of the car you drive makes a huge difference in the rate you pay. Lower cost passenger models generally have the cheapest insurance rates, but your final cost has many other factors.
- Allowing your coverage to lapse raises insurance rates – Allowing your coverage to lapse can be a fast way to trigger a rate increase. And not only will your rates increase, not being able to provide proof of insurance may result in fines and jail time.
- Cheaper rates with safer cars – Vehicles with good safety scores tend to be cheaper to insure. Vehicles engineered for safety result in less severe injuries and lower rates of occupant injuries means less claims paid and lower rates for you.
- Companies want multiple policies – Most major insurance companies allow a discount to policyholders who carry more than one policy such as combining an auto and homeowners policy. The discount can add up to ten or even fifteen percent. Even with this discount, it’s always a smart idea to compare other Columbus Spark insurance rates to help guarantee you have the best rates.
- Your vocation may affect rates – Occupational choices like fire fighters, business owners, and emergency personnel have higher rates than the rest of us attributed to intense work requirements and long work days. Conversely, jobs like professors, engineers and the unemployed generally pay rates lower than average.
- Women tend to be lower risk – The statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Men and women cause accidents in similar percentages, but the male of the species have costlier accidents. In addition to higher claims, males also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.