We don’t have to tell you that auto insurance companies don’t want you to compare rates. Drivers who shop around annually will most likely switch to a new company because there is a good chance of getting low-cost coverage. A study showed that people who compared rates regularly saved over $3,400 over four years compared to other drivers who never compared rates.
If finding the most affordable auto insurance is your goal, knowing how to choose a company and compare coverages can make the process more efficient.
The preferred way to find cheaper quotes for Kia Stinger insurance in Columbus is to start comparing rates regularly from providers who sell insurance in Ohio. Rate comparisons can be done by completing these steps.
Step 1: Try to understand how your policy works and the steps you can take to prevent rate increases. Many risk factors that result in higher rates such as your driving record and an imperfect credit rating can be remedied by improving your driving habits or financial responsibility.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes for many different companies. View companies
Step 3: Compare the new rate quotes to your current policy and see if there is a cheaper rate. If you find a lower rate and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide notification to your current company of your intent to cancel your current policy. Submit the required down payment along with the signed application to your new carrier. Don’t forget to place your new certificate verifying coverage in your glove compartment.
The key aspect of shopping around is that you’ll want to compare the same deductibles and limits on each price quote and and to look at as many different insurance providers as possible. Doing this guarantees a level playing field and a complete price analysis.
Finding a better price on insurance can be relatively painless. The only requirement is to take a few minutes comparing free Columbus auto insurance quotes to find out which insurance company has affordable Columbus auto insurance quotes.
The companies shown below are ready to provide free rate quotes in Ohio. If multiple companies are listed, it’s highly recommended you compare several of them to get the best price comparison.
Discount Columbus car insurance quotes
The cost of insuring your cars can be expensive, but there are discounts available that you may not even be aware of. Some trigger automatically at quote time, but some may not be applied and must be asked for before you will receive the discount. If they aren’t giving you every credit possible, you’re paying more than you need to.
- Paper-free Discount – A few larger online companies will give a small break simply for signing on your computer.
- Low Mileage – Low mileage vehicles may enable drivers to earn discounted prices on garaged vehicles.
- Pay Early and Save – By making one initial payment rather than paying in monthly installments you can avoid the installment charge.
- Onboard Data Collection – Policyholders that allow their insurance company to spy on when and where they use their vehicle through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they are good drivers.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase auto and life insurance together.
- Membership in Organizations – Belonging to qualifying employment or professional organizations could qualify you for a break when getting a Columbus auto insurance quote.
- Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and that can save you a little bit as well.
- Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
It’s important to understand that most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, you won’t be that lucky.
If you would like to choose from a list of companies that provide some of the discounts listed above in Ohio, click this link.
Why Your Insurance Prices might be higher
Many things are considered when quoting car insurance. Most are fairly basic such as your driving history, but other criteria are more transparent like your continuous coverage and annual miles driven.
The following are some of the most rate-impacting factors used by insurance companies to determine your rates.
- Where you live plays a part – Having an address in less populated areas of the country is a good thing when talking about auto insurance. Less people translates into fewer accident claims and lower theft and vandalism rates. Drivers who live in large Ohio cities tend to have traffic congestion and higher rates of accident claims. Longer commute distances translates into higher accident risk.
- Teen driver insurance costs – Older insureds are more responsible, cause fewer claims and accidents, and get fewer tickets. Beginning drivers tend to get distracted easily when driving and because of this, their auto insurance rates are much higher.
- Tickets and citations cost more than a fine – Whether or not you get tickets has a huge affect on how much you pay. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Even one ticket can bump up the cost to the point where it’s not affordable. Drivers who have received severe violations like DUI, reckless driving or excessive speeding may need to file a SR-22 with their state in order to prevent their license from being revoked.
- Never let your coverage expire – Not having insurance is not a good idea and you will pay a penalty because you let your insurance coverage expire. Not only will rates go up, not being able to provide proof of insurance could earn you fines and jail time. Then you may be required to file a SR-22 with the Ohio motor vehicle department.
- Bundle policies with the same company – The majority of auto insurance companies afford lower prices to buyers that buy multiple policies in the form of a multi-policy discount. Discounts can be ten or even fifteen percent. Even with this discount, it’s still a good idea to get quotes from other companies to help ensure you have the lowest rates.
- Infrequent drivers can save – The more miles you rack up on your Kia every year the more you’ll pay to insure it. Most companies calculate prices determined by how the vehicle is used. Autos that sit idle most of the time cost less to insure than vehicles that have high annual mileage. An incorrectly rated Stinger may be costing you higher rates. Make sure your policy states how each vehicle is driven, because improper ratings can cost you money.
Comparing prices from local Columbus auto insurance agents
Certain consumers would rather buy from a licensed agent and that is just fine! Most agents can help you choose the best coverages and help in the event of a claim. A nice benefit of getting free rate quotes online is the fact that drivers can get lower prices and still have an agent to talk to.
After filling out this quick form, your insurance coverage information gets sent to companies in Columbus that can provide free Columbus auto insurance quotes and help you find cheaper coverage. You don’t have to contact an agency since price quotes are sent to you. If you need to get a comparison quote for a specific company, you would need to search and find their rate quote page and submit a quote form there.
Finding the right company needs to be determined by more than just a cheap quote. The questions below may impact your decision as well.
- Are they able to influence company decisions when a claim is filed?
- Will high miles depreciate repair valuations?
- Is the agency involved in supporting local community causes?
- How long has their agency been in business in Columbus?
- When do they do policy reviews?
When researching a reliable insurance agency, there are a couple of types of insurance agents and how they are slightly different. Insurance agents can be classified as either independent agents or exclusive agents. Both handle insurance, but it’s important to know how they are different since it may influence the kind of agent you use.
Exclusive Insurance Agents
These type of agents work for only one company and examples are American Family, State Farm, and Allstate. They are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are trained well on their company’s products which helps overcome the inability to quote other rates. A lot of people buy from exclusive agents mainly due to the brand rather than low price.
Shown below is a list of exclusive insurance agents in Columbus who can help you get rate quotes.
- Amie Kim – State Farm Insurance Agent
1246 N High St – Columbus, OH 43201 – (614) 586-8701 – View Map
- Howard Tyler – State Farm Insurance Agent
1395 E Dublin Granville Rd #201 – Columbus, OH 43229 – (614) 431-8192 – View Map
- David Grant – State Farm Insurance Agent
4612 N High St – Columbus, OH 43214 – (614) 262-1055 – View Map
Independent agencies do not sell for just one brand so they can write business through lots of different companies and find you cheaper rates. If premiums increase, the agent simply finds a different carrier and you won’t have to switch agencies. If you are trying to find cheaper rates, it’s recommended you include rate quotes from several independent agencies to ensure the widest selection of prices. Many can place coverage with mutual insurance companies that many times have cheaper rates.
Shown below are Columbus independent agencies who can help you get comparison quotes.
- Cornerstone Insurance Services
1505 Stonecreek Drive S, Suite 103 – Pickerington, OH 43147 – (614) 524-4248 – View Map
- Tri-Wood Insurance
1000 Georgesville Rd – Columbus, OH 43228 – (614) 276-7821 – View Map
- Wolfe Insurance Group
630 E Broad St – Columbus, OH 43215 – (614) 418-5710 – View Map
Cheap insurance is out there
When buying insurance coverage, you should never buy less coverage just to save a little money. There have been many cases where an insured dropped uninsured motorist or liability limits only to find out that it was a big mistake. The goal is to get the best coverage possible at the best price while not skimping on critical coverages.
Cost effective Kia Stinger insurance is attainable both online as well as from insurance agents, so get free Columbus auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and usually these small insurance companies work with local independent agencies.
You just read a lot of techniques to lower your Kia Stinger insurance prices in Columbus. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may even discover the best price on insurance is with a small mutual company.
- Winter Driving (Insurance Information Institute)
- Who Has Cheap Columbus Auto Insurance Rates for Drivers Under 25? (FAQ)
- Who Has Cheap Columbus Car Insurance for Unemployed Drivers? (FAQ)
- Who Has Affordable Columbus Car Insurance for a GMC Acadia? (FAQ)
- Who Has the Cheapest Columbus Auto Insurance Rates for Immigrants? (FAQ)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Tools for Teen Driving Safety (State Farm)