A recent NerdWallet.com study revealed that most car insurance buyers have been with the same company for at least four years, and 38% of customers have never taken the time to shop around. Drivers in Ohio could save as much as $700 every year by just comparing rate quotes, but they underestimate the amount of money they would save if they switched to a more affordable policy.
The easiest way to get low-cost Nissan Leaf insurance is to make a habit of comparing prices annually from companies in Columbus.
- First, try to learn a little about auto insurance and the modifications you can make to drop your rates. Many rating criteria that drive up the price like high-risk driving behaviors and an imperfect credit rating can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover ideas to prevent high rates and earn larger discounts.
- Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or State Farm, while independent agencies can quote rates for a wide range of insurance providers.
- Third, compare the price quotes to your existing policy and see if you can save money. If you can save money and make a switch, verify that coverage does not lapse between policies.
- Fourth, give proper notification to your current agent or company to cancel your current auto insurance policy. Submit payment and a signed application to your new carrier. As soon as you can, keep your new proof of insurance paperwork in an easily accessible location in your vehicle.
The critical component of shopping around is to compare identical deductibles and limits on each quote request and and to get price quotes from as many different companies as possible. This helps ensure a level playing field and many rates to choose from.
These discounts can reduce Nissan Leaf insurance rates
The cost of insuring your cars can be expensive, but there could be significant discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be manually applied before they will apply.
- Bundle and Save – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
- Discount for New Cars – Insuring a new Leaf can save up to 30% because new model year vehicles have to meet stringent safety requirements.
- Accident Free – Insureds who avoid accidents and claims get the best auto insurance rates compared to bad drivers.
- Paperwork-free – A few larger online companies will give you a small discount get Columbus auto insurance on the web.
- Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less than less cautious drivers.
It’s important to note that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.
Large auto insurance companies and a partial list of their discounts can be found below.
- State Farm discounts include multiple policy, student away at school, passive restraint, driver’s education, and Drive Safe & Save.
- GEICO policyholders can earn discounts including multi-vehicle, anti-lock brakes, seat belt use, anti-theft, good student, and federal employee.
- Liberty Mutual offers discounts for new move discount, new vehicle discount, new graduate, teen driver discount, preferred payment discount, and exclusive group savings.
- The Hartford may offer discounts for anti-theft, driver training, good student, defensive driver, vehicle fuel type, and bundle.
- MetLife may have discounts that include claim-free, defensive driver, accident-free, multi-policy, and good student.
- Progressive may include discounts for continuous coverage, multi-policy, multi-vehicle, homeowner, and online signing.
Before you buy a policy, ask every company how you can save money. All car insurance discounts might not apply in every state. To see a list of auto insurance companies who offer auto insurance discounts in Ohio, follow this link.
To find affordable Columbus auto insurance quotes, there are several ways to compare rate quotes from many different Ohio insurance companies. The fastest way to compare Nissan Leaf insurance prices consists of shopping online. Just remember that obtaining a wide range of quotes will improve the odds of getting more affordable rates.
The providers in the list below are ready to provide free quotes in Ohio. If multiple providers are shown, it’s highly recommended you visit several of them to get the best price comparison.
Compare prices but work with a local neighborhood Columbus car insurance agent
Some consumers still prefer to buy from a licensed agent and that can be a smart move An additional benefit of comparing rate quotes online is you may find cheap car insurance rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is submitted to local insurance agents in Columbus that provide free Columbus auto insurance quotes for your insurance coverage. There is no need to leave your computer because quoted prices will be sent immediately to you. You can find better rates without a big time investment. If you need to compare rates from a specific company, feel free to find their quoting web page to submit a rate quote request.
Selecting an company requires more thought than just the bottom line cost. Here are some questions you should ask.
- Do they have cheaper tiers of coverage?
- Is working in the agency their full-time job?
- Are they properly licensed to sell insurance in Ohio?
- Will the agent or a CSR service your policy?
- Does the company allow you to choose your own collision repair facility?
- Does the agent have professional designations like CIC, CPCU or AIC?
Persistent drivers can save
Drivers switch companies for a variety of reasons including lack of trust in their agent, unfair underwriting practices, delays in responding to claim requests and an unsatisfactory settlement offer. Whatever your reason, finding a new car insurance company can be easy and end up saving you some money.
Cheap Nissan Leaf insurance in Columbus can be purchased online and with local Columbus insurance agents, so you need to quote Columbus auto insurance with both in order to have the best chance of saving money. Some insurance providers may not offer price quotes online and these small insurance companies sell through independent insurance agencies.
You just read many ways to find cheap Nissan Leaf insurance in Columbus. The most important thing to understand is the more you quote Columbus auto insurance, the better your comparison will be. You may even be surprised to find that the biggest savings come from some of the smallest insurance companies.
To read more, link through to these articles:
- Credit Impacts Car Insurance Rates (State Farm)
- Who Has Cheap Car Insurance Quotes for Used Cars in Columbus? (FAQ)
- Who Has Affordable Car Insurance Quotes for Police Officers in Columbus? (FAQ)
- How Much is Columbus Auto Insurance for Infrequent Drivers? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Keeping Children Safe in Crashes Video (iihs.org)